topic Re: Comenity CLI HP/SP Data Points in Credit Card Applicationshttps://ficoforums.myfico.com/t5/Credit-Card-Applications/Comenity-CLI-HP-SP-Data-Points/m-p/5916405#M255807
<P>My Overstock card has been very helpful. I started with a $250 limit a little over a year ago. Probably sometime in the summer, when my scores were in the mid-650s, I asked for a CLI and much to my shock, I got $2000 more, to $2250. Encouraged by this thread, I hit the Luv button two months ago and got 2k more, to 4250. I tried again a few days ago (exactly two months after the last CLI) and got 1500 more. So I see that they're slowing down a little, but still generous! My scores are in the 670-690 range now.</P><P>&nbsp;</P><P>I will probably wait 3 or 4 months next time. I order from them almost every month, but small things. I signed up for their 'club' thing where I get free shipping and 5% off... it's been a good deal for me all around.</P>Thu, 13 Feb 2020 17:08:33 GMTtenaya2020-02-13T17:08:33ZComenity CLI HP/SP Data Pointshttps://ficoforums.myfico.com/t5/Credit-Card-Applications/Comenity-CLI-HP-SP-Data-Points/m-p/5533312#M223902
This thread is to try and consolidate information on what appears to be the emerging trend of Comenity Bank to use HPs at times for CLI requests rather than SPs. Recently there have been a number of members suddenly getting HPs when requesting, when in the past it has been a process driven by SPs.<BR /><BR />Comenity is far from a tier-one lender and may not “matter” as much as Chase or American Express, but they are widespread in reach and the sheer number of cards they back, not to mention the relative ease of acquiring them, means they are in many wallets on this forum. In that respect, this may be a worthwhile compilation. What I’m wondering is if we can discern a breakpoint somewhere that will help determine when a HP may occur, whether it’s due to passage of time between CLI requests, the amount of the CLI being granted (which we as consumers won’t know until the HP is already used), or possibly due to the credit line already in effect at the time of the CLI request. It may even depend on which card is being increase-requested.<BR /><BR />What I would ask of anyone who contributes is to include the following info, or as much of it as you have documented:<BR /><BR />Card in question<BR />Open date and whether SP/SCT or HP<BR />Existing CL<BR />Date of CLI<BR />Amount of CLI<BR />For each CLI, whether it was SP or HP<BR /><BR />Including this for as many CLIs as you can recall would help broaden the reach of the data and may help shake out any patterns that could be buried in there. Hopefully enough data will surface that we can tabulate it to compare any trends based on any of the data included. Suggestions to improve this are definitely encouraged and welcomed!Sun, 10 Mar 2019 17:09:46 GMThttps://ficoforums.myfico.com/t5/Credit-Card-Applications/Comenity-CLI-HP-SP-Data-Points/m-p/5533312#M223902ImTheDevil2019-03-10T17:09:46ZRe: Comenity CLI HP/SP Data Pointshttps://ficoforums.myfico.com/t5/Credit-Card-Applications/Comenity-CLI-HP-SP-Data-Points/m-p/5533320#M223903
<P>I’ll start off with mine - it’s pretty easy as I have only had Comenity cards for less than a year and only one has had any CLI activity. (Editing as time passes to include recent increases):<BR /><BR />Card - Victoria’s Secret<BR />SL $500 when card was opened on 7/5/2018 - tried via SCT but incurred a HP I believe on Experian<BR />Auto-CLI to $750 on 10/8/2018 - SP<BR />CLI to $1000 on 2/3/2019 - SP<BR />CLI to $1250 on 3/4/2019 - SP<BR />CLI to $1500 on 4/6/2019 - SP<BR />CLI to $1750 on 5/4/2019 - SP<BR />CLI to $2000 on 7/4/2019 - SP<BR />CLI to $2500 on 9/3/2019 - SP<BR />CLI to $2750 on 11/3/2019 - SP<BR />CLI to $3000 on 1/3/2020 - SP</P><P>CLI to $3500 on 3/4/2020 - SP</P><P>CLI to $4000 on 5/4/2020 - SP<BR /><BR />Card - Wayfair<BR />SL $500 when opened via HP on 9/22/2018 (EX)<BR />Multiple attempts for CLI declined over several months<BR />CLI of $800 on 3/30/2019, just over 6 months after opening, new CL $1300 - SP<BR />CLI of another $800 on 4/8/2019, 9 days after the previous $800 increase 👍 New CL $2100, also SP<BR />CLI, another $800 today (6/8/2019, exactly two months after my last one), new CL $2900. This was a SP as well<BR />CLI of $800 on 8/8/2019, new limit $3700, also SP<BR />CLI of $1500 on 10/8/2019, new limit $5200, SP again<BR />CLI of $1500 on 12/8/2019, new limit $6700, SP</P><P>SP CLI of $1500 on 2/8/2020, new limit $8200</P><P>SP CLI of $1500 on 4/9/2020, new limit $9700<BR /><BR />Card - Overstock<BR />$750 SL when opened via EX HP on 10/13/2019<BR />$1500 SP CLI via luv button on 10/18, 12 minutes after activating the card, the day it arrived. I set up the online account to be able to pay the bill and took a stab at a CLI - instantly approved. Double-dip was declined but that’s ok. New CL is $2250.<BR />12/18/2019, SP CLI to $3050</P><P>2/18/2020, SP CLI to $4550</P><P>4/19/2020, SP CLI to $6050</P>Tue, 05 May 2020 01:58:20 GMThttps://ficoforums.myfico.com/t5/Credit-Card-Applications/Comenity-CLI-HP-SP-Data-Points/m-p/5533320#M223903ImTheDevil2020-05-05T01:58:20ZRe: Comenity CLI HP/SP Data Pointshttps://ficoforums.myfico.com/t5/Credit-Card-Applications/Comenity-CLI-HP-SP-Data-Points/m-p/5533363#M223908
<P>@ImTheDevil</P><P>"crickets"<img id="smileytongue" class="emoticon emoticon-smileytongue" src="https://fico.i.lithium.com/i/smilies/16x16_smiley-tongue.gif" alt="Smiley Tongue" title="Smiley Tongue" /> but that's because I won't be up for my first 6 month review until June '19.&nbsp; Comenity/HSN csr told me a couple of weeks ago that they are starting to implement certain offers, for me to check my "benefits" tab soon. (I don't remember what all she said ie. coupons, special finance offers, etc.)&nbsp;</P><P>&nbsp;</P><P>I did ask about auto cli's, csr stated that at 6 months my acct. would start being reviewed for such.&nbsp; Once I jump that hurdle I will gladly add DP's with personal cli requests as well.&nbsp;&nbsp;</P>Sun, 10 Mar 2019 15:03:51 GMThttps://ficoforums.myfico.com/t5/Credit-Card-Applications/Comenity-CLI-HP-SP-Data-Points/m-p/5533363#M223908GApeachy2019-03-10T15:03:51ZRe: Comenity CLI HP/SP Data Pointshttps://ficoforums.myfico.com/t5/Credit-Card-Applications/Comenity-CLI-HP-SP-Data-Points/m-p/5533384#M223909
Sounds good and thank you <img id="smileyhappy" class="emoticon emoticon-smileyhappy" src="https://fico.i.lithium.com/i/smilies/16x16_smiley-happy.gif" alt="Smiley Happy" title="Smiley Happy" />Sun, 10 Mar 2019 15:27:21 GMThttps://ficoforums.myfico.com/t5/Credit-Card-Applications/Comenity-CLI-HP-SP-Data-Points/m-p/5533384#M223909ImTheDevil2019-03-10T15:27:21ZRe: Comenity CLI HP/SP Data Pointshttps://ficoforums.myfico.com/t5/Credit-Card-Applications/Comenity-CLI-HP-SP-Data-Points/m-p/5533385#M223910
<BLOCKQUOTE><HR /><LI-USER login="ImTheDevil" uid="1037433"></LI-USER>&nbsp;wrote:<BR />Sounds good and thank you <img id="smileyhappy" class="emoticon emoticon-smileyhappy" src="https://fico.i.lithium.com/i/smilies/16x16_smiley-happy.gif" alt="Smiley Happy" title="Smiley Happy" /><HR /></BLOCKQUOTE><P>Also, did you obtain VS via sct (which I presume is dead)?</P>Sun, 10 Mar 2019 15:29:05 GMThttps://ficoforums.myfico.com/t5/Credit-Card-Applications/Comenity-CLI-HP-SP-Data-Points/m-p/5533385#M223910GApeachy2019-03-10T15:29:05ZRe: Comenity CLI HP/SP Data Pointshttps://ficoforums.myfico.com/t5/Credit-Card-Applications/Comenity-CLI-HP-SP-Data-Points/m-p/5533471#M223913
Card in question: Victoria Secret<BR />Existing CL: $150<BR />Date of CLI: March 2-8th<BR />Received the email on March 9th<BR />Amount of CLI: $250<BR />For each CLI, whether it was SP or HP: SP<BR />Date Opened: July 18’Sun, 10 Mar 2019 16:48:58 GMThttps://ficoforums.myfico.com/t5/Credit-Card-Applications/Comenity-CLI-HP-SP-Data-Points/m-p/5533471#M223913CivalV2019-03-10T16:48:58ZRe: Comenity CLI HP/SP Data Pointshttps://ficoforums.myfico.com/t5/Credit-Card-Applications/Comenity-CLI-HP-SP-Data-Points/m-p/5533482#M223918
Laurachrissy, my VS card didn’t work via SCT. I got the pop up at checkout online and accepted it but it was a HP approval. My post up above is amended to reflect this.Sun, 10 Mar 2019 17:08:56 GMThttps://ficoforums.myfico.com/t5/Credit-Card-Applications/Comenity-CLI-HP-SP-Data-Points/m-p/5533482#M223918ImTheDevil2019-03-10T17:08:56ZRe: Comenity CLI HP/SP Data Pointshttps://ficoforums.myfico.com/t5/Credit-Card-Applications/Comenity-CLI-HP-SP-Data-Points/m-p/5533492#M223921
Laurachrissy, your initial post up above got me thinking. I have Wayfair as well as VS, but it’s a younger card and is about two weeks away from its 6 month anniversary. I wonder if that’s why I can’t get a CLI for the life of me on that card (got denial #8 today), even though my VS started growing before the 6-month mark. I’ll have to request again in maybe 3 weeks if I don’t get an auto-CLI by then. Wondering if it’s also a factor that one of the two cards is d.comenity and the other is c.comenity - two different organizations...Sun, 10 Mar 2019 17:08:36 GMThttps://ficoforums.myfico.com/t5/Credit-Card-Applications/Comenity-CLI-HP-SP-Data-Points/m-p/5533492#M223921ImTheDevil2019-03-10T17:08:36ZRe: Comenity CLI HP/SP Data Pointshttps://ficoforums.myfico.com/t5/Credit-Card-Applications/Comenity-CLI-HP-SP-Data-Points/m-p/5533616#M223939
<BLOCKQUOTE><HR /><LI-USER login="ImTheDevil" uid="1037433"></LI-USER>&nbsp;wrote:<BR /><STRONG>Card in question:&nbsp;</STRONG><FONT color="#0000FF">Overstock &amp; Wayfair</FONT><BR /><STRONG>Open date and whether SP/SCT or HP:&nbsp;</STRONG><FONT color="#0000FF">5/25/2018 HP SCT &amp; SP SCT</FONT><BR /><STRONG>Existing CL:&nbsp;</STRONG><FONT color="#0000FF">14.5K &amp; 15K</FONT><BR /><STRONG>Date of CLI:&nbsp;</STRONG><FONT color="#0000FF">7/14/18 (SP - 3K); 9/20/18 (SP - 3K); 11/28 (SP - 4K); 02/15/2019 (HP - 4K).</FONT><BR /><STRONG>SP Amount of CLI:&nbsp;</STRONG><FONT color="#0000FF">see above</FONT><BR /><STRONG>For each CLI, whether it was SP or HP:&nbsp;</STRONG><FONT color="#0000FF">see above</FONT><BR /><HR /></BLOCKQUOTE><P>The CLI data is identical for the two cards. One was a HP on the SCT which was used for the other SCT approval a couple of minutes later. Initial SL was OS 500 &amp; WF 1000.&nbsp;</P><P>&nbsp;</P><P>&nbsp;</P>Sun, 10 Mar 2019 19:21:42 GMThttps://ficoforums.myfico.com/t5/Credit-Card-Applications/Comenity-CLI-HP-SP-Data-Points/m-p/5533616#M223939James_A2019-03-10T19:21:42ZRe: Comenity CLI HP/SP Data Pointshttps://ficoforums.myfico.com/t5/Credit-Card-Applications/Comenity-CLI-HP-SP-Data-Points/m-p/5533682#M223945
Doesnt <LI-USER uid="936503" login="FireMedic1"></LI-USER> already have a thread dedicated to this? Not sure where it is but he put up mad dps to scare off most cli Comenity thrillseekers<img id="smileywink" class="emoticon emoticon-smileywink" src="https://fico.i.lithium.com/i/smilies/16x16_smiley-wink.gif" alt="Smiley Wink" title="Smiley Wink" />Sun, 10 Mar 2019 20:48:13 GMThttps://ficoforums.myfico.com/t5/Credit-Card-Applications/Comenity-CLI-HP-SP-Data-Points/m-p/5533682#M223945AverageJoesCredit2019-03-10T20:48:13ZRe: Comenity CLI HP/SP Data Pointshttps://ficoforums.myfico.com/t5/Credit-Card-Applications/Comenity-CLI-HP-SP-Data-Points/m-p/5533697#M223952
AJC I apologize - I don’t recall seeing it. If so maybe a mod would merge this with that thread?Sun, 10 Mar 2019 21:07:12 GMThttps://ficoforums.myfico.com/t5/Credit-Card-Applications/Comenity-CLI-HP-SP-Data-Points/m-p/5533697#M223952ImTheDevil2019-03-10T21:07:12ZRe: Comenity CLI HP/SP Data Pointshttps://ficoforums.myfico.com/t5/Credit-Card-Applications/Comenity-CLI-HP-SP-Data-Points/m-p/5533705#M223955
No probs Devil, im suprised i havent seen it in awile. I thought he was keeping it up to date. Just keep what you are doing until either someone finds it, or merges. Any data can help <img id="smileyhappy" class="emoticon emoticon-smileyhappy" src="https://fico.i.lithium.com/i/smilies/16x16_smiley-happy.gif" alt="Smiley Happy" title="Smiley Happy" />Sun, 10 Mar 2019 21:24:21 GMThttps://ficoforums.myfico.com/t5/Credit-Card-Applications/Comenity-CLI-HP-SP-Data-Points/m-p/5533705#M223955AverageJoesCredit2019-03-10T21:24:21ZRe: Comenity CLI HP/SP Data Pointshttps://ficoforums.myfico.com/t5/Credit-Card-Applications/Comenity-CLI-HP-SP-Data-Points/m-p/5533736#M223958
<BLOCKQUOTE><HR /><LI-USER login="AverageJoesCredit" uid="949124"></LI-USER>&nbsp;wrote:<BR />Doesnt <LI-USER login="FireMedic1" uid="936503"></LI-USER> already have a thread dedicated to this? Not sure where it is but he put up mad dps to scare off most cli Comenity thrillseekers<img id="smileywink" class="emoticon emoticon-smileywink" src="https://fico.i.lithium.com/i/smilies/16x16_smiley-wink.gif" alt="Smiley Wink" title="Smiley Wink" /><HR /></BLOCKQUOTE><P>Wasn't that a SCT thread?</P><P>&nbsp;</P><P>This thread being unique to Commenity &amp; CLIs makes it valuable, as is. IMHO. Would hate to see it merged.</P>Sun, 10 Mar 2019 22:17:10 GMThttps://ficoforums.myfico.com/t5/Credit-Card-Applications/Comenity-CLI-HP-SP-Data-Points/m-p/5533736#M223958James_A2019-03-10T22:17:10ZRe: Comenity CLI HP/SP Data Pointshttps://ficoforums.myfico.com/t5/Credit-Card-Applications/Comenity-CLI-HP-SP-Data-Points/m-p/5533779#M223963
Ah, good catch James<img id="smileyhappy" class="emoticon emoticon-smileyhappy" src="https://fico.i.lithium.com/i/smilies/16x16_smiley-happy.gif" alt="Smiley Happy" title="Smiley Happy" />. Still weird no one has resurrected it. Carry on Mr Diablo<img id="smileyhappy" class="emoticon emoticon-smileyhappy" src="https://fico.i.lithium.com/i/smilies/16x16_smiley-happy.gif" alt="Smiley Happy" title="Smiley Happy" />Sun, 10 Mar 2019 23:20:07 GMThttps://ficoforums.myfico.com/t5/Credit-Card-Applications/Comenity-CLI-HP-SP-Data-Points/m-p/5533779#M223963AverageJoesCredit2019-03-10T23:20:07ZRe: Comenity CLI HP/SP Data Pointshttps://ficoforums.myfico.com/t5/Credit-Card-Applications/Comenity-CLI-HP-SP-Data-Points/m-p/5533781#M223964
For thread my recent cli request via call in, automated, was approved for $1k , no hp. Zales, the real Black Card<img id="smileyhappy" class="emoticon emoticon-smileyhappy" src="https://fico.i.lithium.com/i/smilies/16x16_smiley-happy.gif" alt="Smiley Happy" title="Smiley Happy" />Sun, 10 Mar 2019 23:21:24 GMThttps://ficoforums.myfico.com/t5/Credit-Card-Applications/Comenity-CLI-HP-SP-Data-Points/m-p/5533781#M223964AverageJoesCredit2019-03-10T23:21:24ZRe: Comenity CLI HP/SP Data Pointshttps://ficoforums.myfico.com/t5/Credit-Card-Applications/Comenity-CLI-HP-SP-Data-Points/m-p/5533795#M223965
<P>Denied for all Comenity credit limit increases</P><P>&nbsp;</P><P>All have been soft pulls</P><P>Have tried online and over the phone</P><P>Always denied.</P><P>&nbsp;</P><P>I have many Comenity cards like Victoria's Secret, J Crew, NY and Company, Williams Sonoma, etc.</P><P>&nbsp;</P><P>&nbsp;</P>Sun, 10 Mar 2019 23:32:01 GMThttps://ficoforums.myfico.com/t5/Credit-Card-Applications/Comenity-CLI-HP-SP-Data-Points/m-p/5533795#M223965Hockeypnc12019-03-10T23:32:01ZRe: Comenity CLI HP/SP Data Pointshttps://ficoforums.myfico.com/t5/Credit-Card-Applications/Comenity-CLI-HP-SP-Data-Points/m-p/5535347#M224085
<P><SPAN>Card in question:&nbsp; The Children's Place</SPAN><BR /><SPAN>Open date and whether SP/SCT or HP:&nbsp; 02/24/2018 HP</SPAN><BR /><SPAN>Existing CL:&nbsp; $750</SPAN><BR /><SPAN>Date of CLI:&nbsp; 03/10/2018</SPAN><BR /><SPAN>Amount of CLI:&nbsp; $500</SPAN><BR /><SPAN>For each CLI, whether it was SP or HP:&nbsp; HP Equifax</SPAN></P>Tue, 12 Mar 2019 05:25:54 GMThttps://ficoforums.myfico.com/t5/Credit-Card-Applications/Comenity-CLI-HP-SP-Data-Points/m-p/5535347#M224085SteveNorCal2019-03-12T05:25:54ZRe: Comenity CLI HP/SP Data Pointshttps://ficoforums.myfico.com/t5/Credit-Card-Applications/Comenity-CLI-HP-SP-Data-Points/m-p/5535542#M224092
<P>Comenity seems to be strange/irregular in their process. I got Overstock/Boscov's/Victoria Secret cards, all through SCT but they all incurred a HP regardless.</P><P>&nbsp;</P><P><SPAN>Card in question:&nbsp; Overstock</SPAN><BR /><SPAN>Open date and whether SP/SCT or HP:&nbsp; January 2019 SCT/HP</SPAN><BR /><SPAN>Existing CL: $750</SPAN><BR /><SPAN>Date of CLI:&nbsp; Once card came in mail</SPAN><BR /><SPAN>Amount of CLI:&nbsp; $1600 increase to $2350</SPAN><BR /><SPAN>For each CLI, whether it was SP or HP:&nbsp; CLI was SP</SPAN></P><P>&nbsp;</P><P><SPAN>Card in question:&nbsp; Boscov's<BR />Open date and whether SP/SCT or HP:&nbsp; January 2019 SCT/HP<BR />Existing CL: $1000<BR />Date of CLI:&nbsp; Once card came in mail<BR />Amount of CLI:&nbsp; $1600 increase to $2600<BR />For each CLI, whether it was SP or HP:&nbsp; CLI was SP</SPAN></P><P>&nbsp;</P><P><SPAN>Card in question:&nbsp; Victoria's Secret<BR />Open date and whether SP/SCT or HP:&nbsp; January 2019 SCT/HP<BR />Existing CL: $500<BR />Date of CLI:&nbsp; Denied any CLI<BR />Amount of CLI:&nbsp; $0<BR />For each CLI, whether it was SP or HP:&nbsp; SP</SPAN></P>Tue, 12 Mar 2019 13:45:58 GMThttps://ficoforums.myfico.com/t5/Credit-Card-Applications/Comenity-CLI-HP-SP-Data-Points/m-p/5535542#M224092ThatGuyXx2019-03-12T13:45:58ZRe: Comenity CLI HP/SP Data Pointshttps://ficoforums.myfico.com/t5/Credit-Card-Applications/Comenity-CLI-HP-SP-Data-Points/m-p/5535689#M224096
<BLOCKQUOTE><HR /><LI-USER uid="1037433"></LI-USER>&nbsp;wrote:<BR />AJC I apologize - I don’t recall seeing it. If so maybe a mod would merge this with that thread?<HR /></BLOCKQUOTE><P>The separate running thread that <LI-USER uid="936503"></LI-USER>&nbsp;created just for for t<SPAN>he SCT (HPs) is below for anyone that would be interested:</SPAN></P><P>&nbsp;</P><P>&nbsp;<A href="https://ficoforums.myfico.com/t5/Credit-Card-Applications/Updated-SCT-is-now-a-HP-No-more-tricks/m-p/5359856" target="_blank" rel="noopener">https://ficoforums.myfico.com/t5/Credit-Card-Applications/Updated-SCT-is-now-a-HP-No-more-tricks/m-p/5359856</A></P>Tue, 12 Mar 2019 15:07:58 GMThttps://ficoforums.myfico.com/t5/Credit-Card-Applications/Comenity-CLI-HP-SP-Data-Points/m-p/5535689#M224096FinStar2019-03-12T15:07:58ZRe: Comenity CLI HP/SP Data Pointshttps://ficoforums.myfico.com/t5/Credit-Card-Applications/Comenity-CLI-HP-SP-Data-Points/m-p/5536080#M224129
<P>It's not much, but I'll add my two cents.</P><P>&nbsp;</P><P>I was approved for an Overstock card in early Jan 2019 with a $250 credit limit. Hard pull (of course) with Experian.</P><P>A few weeks later, on a whim, I clicked on the LUV button. Refused, no hard pull. (I was not shocked at the refusal!)</P>Tue, 12 Mar 2019 19:02:39 GMThttps://ficoforums.myfico.com/t5/Credit-Card-Applications/Comenity-CLI-HP-SP-Data-Points/m-p/5536080#M224129tenaya2019-03-12T19:02:39ZRe: Updated: SCT is now a HP! No more tricks!https://ficoforums.myfico.com/t5/Credit-Card-Applications/Comenity-CLI-HP-SP-Data-Points/m-p/5538483#M224339
<P>To make matters worse - yesterday I hit the CLI button on VS, Wayfair and Overstock and ALL were a HP.</P><P>&nbsp;</P><P>They have always been a SP.&nbsp; Looks like they changed everything over to HP, including CLI.&nbsp; At lease for me they did.</P>Thu, 14 Mar 2019 18:04:06 GMThttps://ficoforums.myfico.com/t5/Credit-Card-Applications/Comenity-CLI-HP-SP-Data-Points/m-p/5538483#M224339mmccor022019-03-14T18:04:06ZRe: Updated: SCT is now a HP! No more tricks!https://ficoforums.myfico.com/t5/Credit-Card-Applications/Comenity-CLI-HP-SP-Data-Points/m-p/5538491#M224340
That sucks. Was wanting to do CLI but dont want HP.Thu, 14 Mar 2019 18:09:41 GMThttps://ficoforums.myfico.com/t5/Credit-Card-Applications/Comenity-CLI-HP-SP-Data-Points/m-p/5538491#M224340Titanup2019-03-14T18:09:41ZRe: Comenity CLI HP/SP Data Pointshttps://ficoforums.myfico.com/t5/Credit-Card-Applications/Comenity-CLI-HP-SP-Data-Points/m-p/5540385#M224458
<P>Just requested CLIs last week, so here's my data for what it's worth. Haven't run into a HP CLI request yet.</P><P>&nbsp;</P><P><SPAN>Victoria's Secret</SPAN></P><P><SPAN>Opened 6/2018, SCT/SP</SPAN></P><P><SPAN>$350 SL</SPAN></P><P><SPAN>Auto CLI to $850 9/2018</SPAN></P><P><SPAN>SP CLI to $1100 10/2018</SPAN></P><P><SPAN>SP CLI to $1350 12/10/2018</SPAN></P><P><SPAN>SP CLI to $1600 1/17/2019</SPAN></P><P><SPAN>SP CLI to $1850 3/9/2019</SPAN></P><P>&nbsp;</P><P><SPAN>Venus</SPAN></P><P><SPAN>Opened 6/2018, SCT/SP</SPAN></P><P><SPAN>$500 SL</SPAN></P><P><SPAN>Auto CLI to $600 9/24/2018</SPAN></P><P><SPAN>SP CLI to $1100 12/10/2018</SPAN></P><P><SPAN>SP CLI to $1350 1/17/2019</SPAN></P><P><SPAN>SP CLI to $1600 3/9/2019</SPAN></P><P>&nbsp;</P><P><SPAN>J Crew</SPAN></P><P><SPAN>Opened 6/2018 SCT/SP</SPAN></P><P><SPAN>$500 SL</SPAN></P><P><SPAN>No CLIs, all SP, last request 3/9/2019</SPAN></P><P>&nbsp;</P><P><SPAN>Ulta</SPAN></P><P><SPAN>Opened 1/2019 cold app/HP</SPAN></P><P><SPAN>$1000 SL</SPAN></P><P><SPAN>No CLI (didn't expect one!), SP, 3/9/2019</SPAN></P><P>&nbsp;</P>Sat, 16 Mar 2019 07:58:56 GMThttps://ficoforums.myfico.com/t5/Credit-Card-Applications/Comenity-CLI-HP-SP-Data-Points/m-p/5540385#M224458WaitInTheFire2019-03-16T07:58:56ZRe: Comenity CLI HP/SP Data Pointshttps://ficoforums.myfico.com/t5/Credit-Card-Applications/Comenity-CLI-HP-SP-Data-Points/m-p/5540980#M224483
<P>Ok here is a weird one. This was about a month ago. I keep my reports locked.</P><P>&nbsp;</P><P>I hit the CLI button for my Overstock card. Approved.</P><P>5 minutes later I hit the CLI button for J.Crew and received the 7-10 day message. A week later I get the letter in the mail and it said the reason for denial is that they could not access my credit report. 😐 They soft pulled Overstock through the lock but tried to HP me for J.Crew and could not. I’m happy I had the lock on. I don’t need HP CLI for store cards.</P>Sun, 17 Mar 2019 06:00:58 GMThttps://ficoforums.myfico.com/t5/Credit-Card-Applications/Comenity-CLI-HP-SP-Data-Points/m-p/5540980#M224483Morpho2019-03-17T06:00:58ZRe: Comenity CLI HP/SP Data Pointshttps://ficoforums.myfico.com/t5/Credit-Card-Applications/Comenity-CLI-HP-SP-Data-Points/m-p/5541019#M224485
<P>Boscov's</P><P>&nbsp;</P><P>Opened in Feb 19--shopping cart trick, no hard pull (yet)</P><P>&nbsp;</P><P>$250 was original credit line</P><P>&nbsp;</P><P>Called on 3/14/19 for CLI--approved to $1050--no pull (yet)</P><P>&nbsp;</P><P>&nbsp;</P><P>&nbsp;</P><P>&nbsp;</P>Sun, 17 Mar 2019 00:35:32 GMThttps://ficoforums.myfico.com/t5/Credit-Card-Applications/Comenity-CLI-HP-SP-Data-Points/m-p/5541019#M224485Hockeypnc12019-03-17T00:35:32ZRe: Comenity CLI HP/SP Data Pointshttps://ficoforums.myfico.com/t5/Credit-Card-Applications/Comenity-CLI-HP-SP-Data-Points/m-p/5541311#M224491
<P>Oddly My spouses VS card started at just $250.00, this was in August 2018. Since that time I requested a CLI twice back to back the same night.<BR />It went from $250.00 to $750.00 and right after a few seconds later was approved for $1,250.00 another increase of $500.00.<BR />However it appears that people have really great results from Comenity cards, or great results from Synchrony.<BR />I on the other hand keep getting denied for all Comenity credit lines, have been denied 100% of the time.<BR />While I fair better with Syncrony, my spouse often gets declined for the same cards.<BR /><BR /><BR /><BR /></P>Sun, 17 Mar 2019 05:42:42 GMThttps://ficoforums.myfico.com/t5/Credit-Card-Applications/Comenity-CLI-HP-SP-Data-Points/m-p/5541311#M224491Inkco2019-03-17T05:42:42ZRe: Comenity CLI HP/SP Data Pointshttps://ficoforums.myfico.com/t5/Credit-Card-Applications/Comenity-CLI-HP-SP-Data-Points/m-p/5545696#M224783
I just hit the Luv button today for Ashley Stewart. Got the credit limit updated from $2,750 to $3,000. Went over to my kingsize Platinum card and did the same and went from $1450 to $1850. 2 mins later I got one hard pull alert on Equifax from “Comenity Bank/suebre”. I have no idea which one that’s for. I’ll update if I get a 2nd one.Wed, 20 Mar 2019 21:03:10 GMThttps://ficoforums.myfico.com/t5/Credit-Card-Applications/Comenity-CLI-HP-SP-Data-Points/m-p/5545696#M224783Bigdaddy0032019-03-20T21:03:10ZRe: Comenity CLI HP/SP Data Pointshttps://ficoforums.myfico.com/t5/Credit-Card-Applications/Comenity-CLI-HP-SP-Data-Points/m-p/5546493#M224836
24 hours have passed and I’ve still only gotten the one hard pull.Thu, 21 Mar 2019 17:18:23 GMThttps://ficoforums.myfico.com/t5/Credit-Card-Applications/Comenity-CLI-HP-SP-Data-Points/m-p/5546493#M224836Bigdaddy0032019-03-21T17:18:23ZRe: Comenity CLI HP/SP Data Pointshttps://ficoforums.myfico.com/t5/Credit-Card-Applications/Comenity-CLI-HP-SP-Data-Points/m-p/5546511#M224839
Very nice - hopefully it stays that way.Thu, 21 Mar 2019 17:27:48 GMThttps://ficoforums.myfico.com/t5/Credit-Card-Applications/Comenity-CLI-HP-SP-Data-Points/m-p/5546511#M224839ImTheDevil2019-03-21T17:27:48ZRe: Comenity CLI HP/SP Data Pointshttps://ficoforums.myfico.com/t5/Credit-Card-Applications/Comenity-CLI-HP-SP-Data-Points/m-p/5547274#M224899
<P><SPAN>Card in question OVERSTOCK</SPAN><BR /><SPAN>Open date and whether SP/SCT or HP- April 2018 SCT&nbsp;</SPAN><BR /><SPAN>Existing CL - 250</SPAN><BR /><SPAN>Date of CLI - Never</SPAN><BR /><SPAN>Amount of CLI - Nothing</SPAN><BR /><SPAN>For each CLI, whether it was SP or HP - NAda, Zilch</SPAN></P><P>&nbsp;</P><P><SPAN>I think earlier this month I tried for a cli and got a hard pull on EQ. I try almost monthly and each time got nothing. I don't want to keep trying for hard pulls.</SPAN></P>Fri, 22 Mar 2019 02:57:54 GMThttps://ficoforums.myfico.com/t5/Credit-Card-Applications/Comenity-CLI-HP-SP-Data-Points/m-p/5547274#M224899stinastina2019-03-22T02:57:54ZRe: Comenity CLI HP/SP Data Pointshttps://ficoforums.myfico.com/t5/Credit-Card-Applications/Comenity-CLI-HP-SP-Data-Points/m-p/5550485#M225204
<P>Just wanted to add a datapoint.&nbsp;</P><P>&nbsp;</P><P>All 3 bureau's are on ice and received a SP CLI from Overstock $13,500 ---&gt; $15,500&nbsp; and Boscovs $14,000 ---&gt; $16,000&nbsp;</P><P>&nbsp;</P><P>Zero balance on both cards for several months now.</P><P>&nbsp;</P><P>&nbsp;</P>Sat, 30 Mar 2019 20:07:25 GMThttps://ficoforums.myfico.com/t5/Credit-Card-Applications/Comenity-CLI-HP-SP-Data-Points/m-p/5550485#M225204Rogue462019-03-30T20:07:25ZRe: Comenity CLI HP/SP Data Pointshttps://ficoforums.myfico.com/t5/Credit-Card-Applications/Comenity-CLI-HP-SP-Data-Points/m-p/5551143#M225235
<P>Overstock CLI double dipped with only a SP on March 15th. Went from $2100-$2900-$3700. It had been approx. 60 days since my last CLI which took me from $500 to $2100. They seem to give me $800 at a time.</P>Mon, 25 Mar 2019 17:05:32 GMThttps://ficoforums.myfico.com/t5/Credit-Card-Applications/Comenity-CLI-HP-SP-Data-Points/m-p/5551143#M225235thatgirldina12019-03-25T17:05:32ZRe: Comenity CLI HP/SP Data Pointshttps://ficoforums.myfico.com/t5/Credit-Card-Applications/Comenity-CLI-HP-SP-Data-Points/m-p/5551154#M225238
<BLOCKQUOTE><HR /><LI-USER login="thatgirldina1" uid="1051908"></LI-USER>&nbsp;wrote:<BR /><P>Overstock CLI double dipped with only a SP on March 15th. Went from $2100-$2900-$3700. It had been approx. 60 days since my last CLI which took me from $500 to $2100. They seem to give me $800 at a time.</P><HR /></BLOCKQUOTE><P>What did they pull and what are your scores ?</P>Mon, 25 Mar 2019 17:12:12 GMThttps://ficoforums.myfico.com/t5/Credit-Card-Applications/Comenity-CLI-HP-SP-Data-Points/m-p/5551154#M225238stinastina2019-03-25T17:12:12ZRe: Comenity CLI HP/SP Data Pointshttps://ficoforums.myfico.com/t5/Credit-Card-Applications/Comenity-CLI-HP-SP-Data-Points/m-p/5551282#M225244
<P>As far as I can tell they used an older EQ SP from 2/28 and my score at the time was 644</P>Mon, 25 Mar 2019 18:51:32 GMThttps://ficoforums.myfico.com/t5/Credit-Card-Applications/Comenity-CLI-HP-SP-Data-Points/m-p/5551282#M225244thatgirldina12019-03-25T18:51:32ZRe: Comenity CLI HP/SP Data Pointshttps://ficoforums.myfico.com/t5/Credit-Card-Applications/Comenity-CLI-HP-SP-Data-Points/m-p/5555049#M225433
<DIV class="lia-message-author-with-avatar"><SPAN>@&nbsp;</SPAN><DIV class="lia-message-author-with-avatar"><SPAN class="UserName lia-user-name lia-user-rank-Established-Contributor lia-component-message-view-widget-author-username"><A href="https://ficoforums.myfico.com/t5/user/viewprofilepage/user-id/1037433" target="_self"><SPAN class="login-bold">ImTheDevil</SPAN></A></SPAN></DIV></DIV><P>Comenity/HSN just did a cli for $2000 given me a 4k cl.&nbsp;</P><P>I called in and asked a Comenity CSR about how/when I would be reviewed for a cli. She said if my credit has improved a good bit to go for it.&nbsp; She reassured me that it would be a soft pull and it was.</P><P>I've had the card since Dec. 2018, my scores have improved. See siggy</P>Thu, 28 Mar 2019 18:43:01 GMThttps://ficoforums.myfico.com/t5/Credit-Card-Applications/Comenity-CLI-HP-SP-Data-Points/m-p/5555049#M225433GApeachy2019-03-28T18:43:01ZRe: Comenity CLI HP/SP Data Pointshttps://ficoforums.myfico.com/t5/Credit-Card-Applications/Comenity-CLI-HP-SP-Data-Points/m-p/5555129#M225434
<P>Adding some data points!</P><P>&nbsp;</P><P>Everything was a SP, have never had a HP on any of the cards since I got them (pre-SCT HP's). I also double-dipped on each. I asked for an increase and got it, then came back about 20 minutes later and asked again and got a second increase. I've found the limit is two before you get the angry red message telling you no more. All of the below happened on 3/4/19. I was denied increases for at least three months on each of the cards. All of my Comenity cards got SP increases except one that hasn't increased my limit in 10 months (Simply Be - $1,000 limit). Everything else is on a 30-90 day cycle of SP CLI's. I have since paid all of these in full, but have included the amount of money on each when I requested. Every one of these cards started at a limit between $200 - $350 and they're all under one year old. FICO 8 scores at the time of increase were around 650.&nbsp;</P><P>&nbsp;</P><UL><LI>Williams-Sonoma (Store Card) - $4,750 --&gt; $5,500 --&gt;$6,250 ($130 balance)</LI><LI>Eddie Bauer - $1,250 --&gt; $1,750 --&gt; $2,250 ($560 balance)</LI><LI>Victoria's Secret - $1,250 --&gt; $1,800 --&gt; $2,350 ($60 balance)</LI><LI>J. Crew - $1,250 --&gt; $1,750 --&gt; $2,250 ($530 balance)</LI><LI>Overstock - $2,750 --&gt; $3,850 --&gt; $4,950 ($120 balance)</LI></UL>Thu, 28 Mar 2019 19:55:17 GMThttps://ficoforums.myfico.com/t5/Credit-Card-Applications/Comenity-CLI-HP-SP-Data-Points/m-p/5555129#M225434bld3312019-03-28T19:55:17ZRe: Comenity CLI HP/SP Data Pointshttps://ficoforums.myfico.com/t5/Credit-Card-Applications/Comenity-CLI-HP-SP-Data-Points/m-p/5558183#M225653
Adding a DP here. I hit the luv button this morning on my Wayfair account and after many denials, today I got an $800 SP CLI from $500 to $1300. I have had 3 CLIs on my VS card in the 8 months I’ve had it, one auto and two by request, but nothing on this one. However, on Wednesday of this past week I hit my 6-month point with the card and suddenly I got an instant SP increase. That timeframe may have had something to do with it, not sure, but regardless I’ll take it.Sun, 31 Mar 2019 01:53:35 GMThttps://ficoforums.myfico.com/t5/Credit-Card-Applications/Comenity-CLI-HP-SP-Data-Points/m-p/5558183#M225653ImTheDevil2019-03-31T01:53:35ZRe: Comenity CLI HP/SP Data Pointshttps://ficoforums.myfico.com/t5/Credit-Card-Applications/Comenity-CLI-HP-SP-Data-Points/m-p/5561587#M225887
<P><SPAN>*Update*</SPAN></P><P><SPAN>Card in question: Overstock Store</SPAN><BR /><SPAN>Open date: Dec 28, 2019 HP-EX $350 SL</SPAN><BR /><SPAN>Existing CL: $4850, as of Apr 2nd,&nbsp;<STRONG>Apr 3rd $6350</STRONG></SPAN><BR /><SPAN>Date of CLI: Feb 1, 2019; Apr 2, 2019</SPAN><BR /><SPAN>Amount of CLI: Feb 1st, double dip $1500 SP CLI for each, total of $3k for $3350 CL. Apr 2nd, single $1500 SP (so far) CLI for $4850 CL.&nbsp;<STRONG>Apr 3rd another $1500 SP (so far) CLI for $6350.</STRONG></SPAN></P><P>&nbsp;</P><P><SPAN>For the first two CLI requests in Feb, I charged $203 and PIF a couple of days after the transaction posted. For the Apr CLI, I charged $32.07 on Mar 31 and PIF today. Right after I clicked submit, I went to the Luv button and got a $1500 CLI. </SPAN></P><P>&nbsp;</P><P><SPAN>The payment has not posted and probably won’t until tomorrow. I’ll click the button again after the payment posts and update here.&nbsp;</SPAN></P><P>&nbsp;</P><P><STRONG>After PIF payment posted I requested a CLI again via the Luv button and got another $1500, instantly!</STRONG></P>Wed, 03 Apr 2019 19:25:15 GMThttps://ficoforums.myfico.com/t5/Credit-Card-Applications/Comenity-CLI-HP-SP-Data-Points/m-p/5561587#M225887WarEagle12019-04-03T19:25:15ZRe: Comenity CLI HP/SP Data Pointshttps://ficoforums.myfico.com/t5/Credit-Card-Applications/Comenity-CLI-HP-SP-Data-Points/m-p/5561696#M225894
<P>So I'm not sure why I hit the luv button today because last ti,e I tried, I got a nasty hard pull and zero increase for my efforts. My card is almost 1 year old and stuck at $250. I had stopped using it for several months but a few weeks ago I bought a blanket . Today they gave me a total of $1050. What a weird number but I'll take it. WHat's the best method to try to double dip ?</P>Tue, 02 Apr 2019 23:15:18 GMThttps://ficoforums.myfico.com/t5/Credit-Card-Applications/Comenity-CLI-HP-SP-Data-Points/m-p/5561696#M225894stinastina2019-04-02T23:15:18ZRe: Comenity CLI HP/SP Data Pointshttps://ficoforums.myfico.com/t5/Credit-Card-Applications/Comenity-CLI-HP-SP-Data-Points/m-p/5561802#M225899
New York and Company——I did notice the message states they will pull your credit for a cli request. That message wasn’t alway there beforeWed, 03 Apr 2019 01:35:02 GMThttps://ficoforums.myfico.com/t5/Credit-Card-Applications/Comenity-CLI-HP-SP-Data-Points/m-p/5561802#M225899Omw8002019-04-03T01:35:02ZRe: Comenity CLI HP/SP Data Pointshttps://ficoforums.myfico.com/t5/Credit-Card-Applications/Comenity-CLI-HP-SP-Data-Points/m-p/5561869#M225901
<BLOCKQUOTE><HR /><LI-USER login="stinastina" uid="152221"></LI-USER>&nbsp;wrote:<BR /><P>So I'm not sure why I hit the luv button today because last ti,e I tried, I got a nasty hard pull and zero increase for my efforts. My card is almost 1 year old and stuck at $250. I had stopped using it for several months but a few weeks ago I bought a blanket . Today they gave me a total of $1050. What a weird number but I'll take it. WHat's the best method to try to double dip ?</P><HR /></BLOCKQUOTE><P>Logout, log in, click the button of Luv. Some will close the window, clear cache and cookies, open window, log in then click the button again.&nbsp;</P>Wed, 03 Apr 2019 02:18:27 GMThttps://ficoforums.myfico.com/t5/Credit-Card-Applications/Comenity-CLI-HP-SP-Data-Points/m-p/5561869#M225901WarEagle12019-04-03T02:18:27ZRe: Comenity CLI HP/SP Data Pointshttps://ficoforums.myfico.com/t5/Credit-Card-Applications/Comenity-CLI-HP-SP-Data-Points/m-p/5561970#M225902
<BLOCKQUOTE><HR /><LI-USER login="WarEagle1" uid="1054390"></LI-USER>&nbsp;wrote:<BR /><BLOCKQUOTE><HR /><LI-USER login="stinastina" uid="152221"></LI-USER>&nbsp;wrote:<BR /><P>So I'm not sure why I hit the luv button today because last ti,e I tried, I got a nasty hard pull and zero increase for my efforts. My card is almost 1 year old and stuck at $250. I had stopped using it for several months but a few weeks ago I bought a blanket . Today they gave me a total of $1050. What a weird number but I'll take it. WHat's the best method to try to double dip ?</P><HR /></BLOCKQUOTE><P>Logout, log in, click the button of Luv. Some will close the window, clear cache and cookies, open window, log in then click the button again.&nbsp;</P><HR /></BLOCKQUOTE><P>Woo hoo ! Just got an increase to $1800 ! A whole year of nothing , then a HP and nothing. FInally something.&nbsp;<img id="smileyvery-happy" class="emoticon emoticon-smileyvery-happy" src="https://fico.i.lithium.com/i/smilies/16x16_smiley-very-happy.gif" alt="Smiley Very Happy" title="Smiley Very Happy" /></P>Wed, 03 Apr 2019 03:29:59 GMThttps://ficoforums.myfico.com/t5/Credit-Card-Applications/Comenity-CLI-HP-SP-Data-Points/m-p/5561970#M225902stinastina2019-04-03T03:29:59ZRe: Comenity CLI HP/SP Data Pointshttps://ficoforums.myfico.com/t5/Credit-Card-Applications/Comenity-CLI-HP-SP-Data-Points/m-p/5562191#M225911
<BLOCKQUOTE><HR /><LI-USER login="ImTheDevil" uid="1037433"></LI-USER>&nbsp;wrote:<BR />This thread is to try and consolidate information on what appears to be the emerging trend of Comenity Bank to use HPs at times for CLI requests rather than SPs. Recently there have been a number of members suddenly getting HPs when requesting, when in the past it has been a process driven by SPs.<BR /><BR />Comenity is far from a tier-one lender and may not “matter” as much as Chase or American Express, but they are widespread in reach and the sheer number of cards they back, not to mention the relative ease of acquiring them, means they are in many wallets on this forum. In that respect, this may be a worthwhile compilation. What I’m wondering is if we can discern a breakpoint somewhere that will help determine when a HP may occur, whether it’s due to passage of time between CLI requests, the amount of the CLI being granted (which we as consumers won’t know until the HP is already used), or possibly due to the credit line already in effect at the time of the CLI request. It may even depend on which card is being increase-requested.<BR /><BR />What I would ask of anyone who contributes is to include the following info, or as much of it as you have documented:<BR /><BR />Card in question<BR />Open date and whether SP/SCT or HP<BR />Existing CL<BR />Date of CLI<BR />Amount of CLI<BR />For each CLI, whether it was SP or HP<BR /><BR />Including this for as many CLIs as you can recall would help broaden the reach of the data and may help shake out any patterns that could be buried in there. Hopefully enough data will surface that we can tabulate it to compare any trends based on any of the data included. Suggestions to improve this are definitely encouraged and welcomed!<HR /></BLOCKQUOTE><P><SPAN>Card in question - <FONT color="#FF0000"><EM><STRONG>Total Rewards (Caesars Rewards is new name) Visa Signature</STRONG></EM></FONT></SPAN><BR /><SPAN>Open date and whether SP/SCT or HP - <FONT color="#FF0000"><EM><STRONG>HP to open on 4/2017</STRONG></EM></FONT></SPAN><BR /><SPAN>Existing CL - <FONT color="#FF0000"><EM><STRONG>15000</STRONG></EM></FONT></SPAN><BR /><SPAN>Date of CLI - <FONT color="#FF0000"><EM><STRONG>04/01/2019</STRONG></EM></FONT></SPAN></P><P><SPAN>Amount of CLI - <FONT color="#FF0000"><EM><STRONG>2500</STRONG></EM></FONT></SPAN><BR /><SPAN>For each CLI, whether it was SP or HP - <FONT color="#FF0000"><EM><STRONG>SP</STRONG></EM></FONT></SPAN></P><P>&nbsp;</P><P><FONT color="#FF0000"><SPAN><EM><STRONG>hope this helps <img id="smileyhappy" class="emoticon emoticon-smileyhappy" src="https://fico.i.lithium.com/i/smilies/16x16_smiley-happy.gif" alt="Smiley Happy" title="Smiley Happy" /></STRONG></EM></SPAN></FONT></P>Wed, 03 Apr 2019 12:45:58 GMThttps://ficoforums.myfico.com/t5/Credit-Card-Applications/Comenity-CLI-HP-SP-Data-Points/m-p/5562191#M225911CamaroSS172019-04-03T12:45:58ZRe: Comenity CLI HP/SP Data Pointshttps://ficoforums.myfico.com/t5/Credit-Card-Applications/Comenity-CLI-HP-SP-Data-Points/m-p/5562857#M225934
<P>Update to my reply yesterday</P><P>&nbsp;</P><P>Today, the payment posted to my Overstock account. I clicked the Luv button and got another instant $1500 CLI bringing my total CL to $6350!!! Wahoo. Still no HP notification 🤞&nbsp;</P>Wed, 03 Apr 2019 19:21:52 GMThttps://ficoforums.myfico.com/t5/Credit-Card-Applications/Comenity-CLI-HP-SP-Data-Points/m-p/5562857#M225934WarEagle12019-04-03T19:21:52ZRe: Comenity CLI HP/SP Data Pointshttps://ficoforums.myfico.com/t5/Credit-Card-Applications/Comenity-CLI-HP-SP-Data-Points/m-p/5563012#M225957
<BLOCKQUOTE><HR /><LI-USER login="AverageJoesCredit" uid="949124"></LI-USER>&nbsp;wrote:<BR />Doesnt <LI-USER login="FireMedic1" uid="936503"></LI-USER> already have a thread dedicated to this? Not sure where it is but he put up mad dps to scare off most cli Comenity thrillseekers<img id="smileywink" class="emoticon emoticon-smileywink" src="https://fico.i.lithium.com/i/smilies/16x16_smiley-wink.gif" alt="Smiley Wink" title="Smiley Wink" /><HR /></BLOCKQUOTE><P>My thread was for appyling for credit if it was a HP or SP. Which we know after Oct 2018 it all became a HP. It wasnt about CLI's like this thread. Recently 2 posters got so called SCT SP credit. Still waiting for their return to say it stuck as a SP. But since they havent been back. I'm guessing they got HP'ed. Carry on Devil.</P>Wed, 03 Apr 2019 22:56:15 GMThttps://ficoforums.myfico.com/t5/Credit-Card-Applications/Comenity-CLI-HP-SP-Data-Points/m-p/5563012#M225957FireMedic12019-04-03T22:56:15ZRe: Comenity CLI HP/SP Data Pointshttps://ficoforums.myfico.com/t5/Credit-Card-Applications/Comenity-CLI-HP-SP-Data-Points/m-p/5563316#M225989
<BLOCKQUOTE><HR /><LI-USER login="FireMedic1" uid="936503"></LI-USER>&nbsp;wrote:<BR /><BLOCKQUOTE><HR /><LI-USER login="AverageJoesCredit" uid="949124"></LI-USER>&nbsp;wrote:<BR />Doesnt <LI-USER login="FireMedic1" uid="936503"></LI-USER> already have a thread dedicated to this? Not sure where it is but he put up mad dps to scare off most cli Comenity thrillseekers<img id="smileywink" class="emoticon emoticon-smileywink" src="https://fico.i.lithium.com/i/smilies/16x16_smiley-wink.gif" alt="Smiley Wink" title="Smiley Wink" /><HR /></BLOCKQUOTE><P>My thread was for appyling for credit if it was a HP or SP. Which we know after Oct 2018 it all became a HP. It wasnt about CLI's like this thread. Recently 2 posters got so called SCT SP credit. Still waiting for their return to say it stuck as a SP. But since they havent been back. I'm guessing they got HP'ed. Carry on Devil.</P><HR /></BLOCKQUOTE><P>I was hp-ed a month ago but did not get a cli as requested. My recent cli request was a SP and then I double dipped for another SP.</P>Thu, 04 Apr 2019 03:03:27 GMThttps://ficoforums.myfico.com/t5/Credit-Card-Applications/Comenity-CLI-HP-SP-Data-Points/m-p/5563316#M225989stinastina2019-04-04T03:03:27ZRe: Comenity CLI HP/SP Data Pointshttps://ficoforums.myfico.com/t5/Credit-Card-Applications/Comenity-CLI-HP-SP-Data-Points/m-p/5566442#M226184
Edited my first reply just now (post 2) to reflect my third monthly SP CLI in a row on the VS card. It looks like I’m definitely on a monthly $250 CLI pace now.<BR /><BR />I have now spent enough to move up to the top tier of three (Angel Forever) on the card, which unlocks additional perks and discounts, which will thrill DW and DD to no end I’m sure. I suppose there’s a chance that today’s CLI is an attaboy for that but I moved to that tier on 4/1, and was declined a CLI on 4/4, so I do really think I’m on the $250/month CLI plan now.<BR /><BR />Nonetheless, as I’ve stated before, I’ve seen posts from several members saying they have a hard time growing this card. I’ve had good, regular growth on it, tripling my limit in 8 months of having the card, simply through use and good, above-the-minimum payments, not including any PIF. Whatever pattern you choose to discern from this, it seems to be working just fine, with the first $250 CLI after 3 months, a second $250 three months later, and then another $250 each month the next two months, bringing me to today.Sat, 06 Apr 2019 21:18:39 GMThttps://ficoforums.myfico.com/t5/Credit-Card-Applications/Comenity-CLI-HP-SP-Data-Points/m-p/5566442#M226184ImTheDevil2019-04-06T21:18:39ZRe: Comenity CLI HP/SP Data Pointshttps://ficoforums.myfico.com/t5/Credit-Card-Applications/Comenity-CLI-HP-SP-Data-Points/m-p/5566445#M226185
<BLOCKQUOTE><HR /><LI-USER login="ImTheDevil" uid="1037433"></LI-USER>&nbsp;wrote:<BR /><BR /><BR />I have now spent enough to move up to the top tier of three (Angel Forever) on the card<HR /></BLOCKQUOTE><P>Ahhh, look at you.....@ImTheDevil is really an Angel Forever<img id="smileywink" class="emoticon emoticon-smileywink" src="https://fico.i.lithium.com/i/smilies/16x16_smiley-wink.gif" alt="Smiley Wink" title="Smiley Wink" /><img id="smileyvery-happy" class="emoticon emoticon-smileyvery-happy" src="https://fico.i.lithium.com/i/smilies/16x16_smiley-very-happy.gif" alt="Smiley Very Happy" title="Smiley Very Happy" /><img id="smileytongue" class="emoticon emoticon-smileytongue" src="https://fico.i.lithium.com/i/smilies/16x16_smiley-tongue.gif" alt="Smiley Tongue" title="Smiley Tongue" /></P>Sat, 06 Apr 2019 21:22:54 GMThttps://ficoforums.myfico.com/t5/Credit-Card-Applications/Comenity-CLI-HP-SP-Data-Points/m-p/5566445#M226185GApeachy2019-04-06T21:22:54ZRe: Comenity CLI HP/SP Data Pointshttps://ficoforums.myfico.com/t5/Credit-Card-Applications/Comenity-CLI-HP-SP-Data-Points/m-p/5566449#M226186
Lol wonder if they have a Fallen Angel designation. Maybe that’s what you get if you default on the card?Sat, 06 Apr 2019 21:28:00 GMThttps://ficoforums.myfico.com/t5/Credit-Card-Applications/Comenity-CLI-HP-SP-Data-Points/m-p/5566449#M226186ImTheDevil2019-04-06T21:28:00ZRe: Comenity CLI HP/SP Data Pointshttps://ficoforums.myfico.com/t5/Credit-Card-Applications/Comenity-CLI-HP-SP-Data-Points/m-p/5566452#M226187
<BLOCKQUOTE><HR /><LI-USER login="ImTheDevil" uid="1037433"></LI-USER>&nbsp;wrote:<BR />Lol wonder if they have a Fallen Angel designation. Maybe that’s what you get if you default on the card?<HR /></BLOCKQUOTE><P>They do but u gotta have big udders 4 that!</P>Sat, 06 Apr 2019 21:29:46 GMThttps://ficoforums.myfico.com/t5/Credit-Card-Applications/Comenity-CLI-HP-SP-Data-Points/m-p/5566452#M226187GApeachy2019-04-06T21:29:46ZRe: Comenity CLI HP/SP Data Pointshttps://ficoforums.myfico.com/t5/Credit-Card-Applications/Comenity-CLI-HP-SP-Data-Points/m-p/5566468#M226188
<BLOCKQUOTE><HR /><LI-USER login="Laurachrissy" uid="1049577"></LI-USER>&nbsp;wrote:<BR /><BLOCKQUOTE><HR /><LI-USER login="ImTheDevil" uid="1037433"></LI-USER>&nbsp;wrote:<BR />Lol wonder if they have a Fallen Angel designation.&nbsp;<HR /></BLOCKQUOTE><P>They do but u gotta have big udders 4 that!</P><HR /></BLOCKQUOTE><P>🤦‍♂️ Dangit...Lol. It’s a good thing I wasn’t drinking anything when I read that.</P>Sat, 06 Apr 2019 21:42:23 GMThttps://ficoforums.myfico.com/t5/Credit-Card-Applications/Comenity-CLI-HP-SP-Data-Points/m-p/5566468#M226188WarEagle12019-04-06T21:42:23ZRe: Comenity CLI HP/SP Data Pointshttps://ficoforums.myfico.com/t5/Credit-Card-Applications/Comenity-CLI-HP-SP-Data-Points/m-p/5566472#M226189
<BLOCKQUOTE><HR /><LI-USER login="ImTheDevil" uid="1037433"></LI-USER>&nbsp;wrote:<BR />Edited my first reply just now (post 2) to reflect my third monthly SP CLI in a row on the VS card. It looks like I’m definitely on a monthly $250 CLI pace now.<BR /><BR />I have now spent enough to move up to the top tier of three (Angel Forever) on the card, which unlocks additional perks and discounts, which will thrill DW and DD to no end I’m sure. I suppose there’s a chance that today’s CLI is an attaboy for that but I moved to that tier on 4/1, and was declined a CLI on 4/4, so I do really think I’m on the $250/month CLI plan now.<BR /><BR />Nonetheless, as I’ve stated before, I’ve seen posts from several members saying they have a hard time growing this card. I’ve had good, regular growth on it, tripling my limit in 8 months of having the card, simply through use and good, above-the-minimum payments, not including any PIF. Whatever pattern you choose to discern from this, it seems to be working just fine, with the first $250 CLI after 3 months, a second $250 three months later, and then another $250 each month the next two months, bringing me to today.<HR /></BLOCKQUOTE><P>Congratulations on that 2 Fitty!</P><P>&nbsp;</P><P>My DW seems to be on the same schedule. She’s gotten an extra $250 each of the past 3 months (since I’ve been checking it for her lol).Zero HP. With a total CL of $2550 now, I believe. Util is around 30% and always make over the minimum, never PIF.&nbsp;</P>Sat, 06 Apr 2019 21:46:18 GMThttps://ficoforums.myfico.com/t5/Credit-Card-Applications/Comenity-CLI-HP-SP-Data-Points/m-p/5566472#M226189WarEagle12019-04-06T21:46:18ZRe: Comenity CLI HP/SP Data Pointshttps://ficoforums.myfico.com/t5/Credit-Card-Applications/Comenity-CLI-HP-SP-Data-Points/m-p/5566596#M226194
WarEagle, that’s about the same stats as on my card. Maybe we’re doping out a possible favorable card profile here?<BR /><BR />Lmao @Laurachrissy, I WAS drinking coffee when I read that and about had it come out my nose! 😂😂Sun, 07 Apr 2019 00:09:24 GMThttps://ficoforums.myfico.com/t5/Credit-Card-Applications/Comenity-CLI-HP-SP-Data-Points/m-p/5566596#M226194ImTheDevil2019-04-07T00:09:24ZRe: Comenity CLI HP/SP Data Pointshttps://ficoforums.myfico.com/t5/Credit-Card-Applications/Comenity-CLI-HP-SP-Data-Points/m-p/5566610#M226195
<BLOCKQUOTE><HR /><LI-USER login="ImTheDevil" uid="1037433"></LI-USER>&nbsp;wrote:<BR />WarEagle, that’s about the same stats as on my card. Maybe we’re doping out a possible favorable card profile here?<BR /><BR />Lmao @Laurachrissy, I WAS drinking coffee when I read that and about had it come out my nose! 😂😂<HR /></BLOCKQUOTE><P>My Magic 8 Ball says, “Signs point to yes.” Yeehaw!&nbsp;</P>Sun, 07 Apr 2019 00:21:33 GMThttps://ficoforums.myfico.com/t5/Credit-Card-Applications/Comenity-CLI-HP-SP-Data-Points/m-p/5566610#M226195WarEagle12019-04-07T00:21:33ZRe: Comenity CLI HP/SP Data Pointshttps://ficoforums.myfico.com/t5/Credit-Card-Applications/Comenity-CLI-HP-SP-Data-Points/m-p/5567151#M226221
I’ll hit em up on May 6-7 and see if it works again lolSun, 07 Apr 2019 15:37:01 GMThttps://ficoforums.myfico.com/t5/Credit-Card-Applications/Comenity-CLI-HP-SP-Data-Points/m-p/5567151#M226221ImTheDevil2019-04-07T15:37:01ZRe: Comenity CLI HP/SP Data Pointshttps://ficoforums.myfico.com/t5/Credit-Card-Applications/Comenity-CLI-HP-SP-Data-Points/m-p/5567187#M226224
<BLOCKQUOTE><HR /><LI-USER login="ImTheDevil" uid="1037433"></LI-USER>&nbsp;wrote:<BR />I’ll hit em up on May 6-7 and see if it works again lol<HR /></BLOCKQUOTE><P>Might wanna try again. I asked for the last one, on DW’s VS, about 4 days ago. Last night, I clicked the button again and got another $250. YOLO! 😆. She’s had the card since 2014 and never asked for any Luv until I joined the forums. She did get some auto boosts during the “dark ages”. It’s at $2800 now versus being at $1300 this past Oct-Nov.</P>Sun, 07 Apr 2019 16:09:40 GMThttps://ficoforums.myfico.com/t5/Credit-Card-Applications/Comenity-CLI-HP-SP-Data-Points/m-p/5567187#M226224WarEagle12019-04-07T16:09:40ZRe: Comenity CLI HP/SP Data Pointshttps://ficoforums.myfico.com/t5/Credit-Card-Applications/Comenity-CLI-HP-SP-Data-Points/m-p/5567207#M226226
That’s great <img id="smileyhappy" class="emoticon emoticon-smileyhappy" src="https://fico.i.lithium.com/i/smilies/16x16_smiley-happy.gif" alt="Smiley Happy" title="Smiley Happy" /> I did try to double dip the same day but no joy. Maybe I’ll try again this week...Sun, 07 Apr 2019 16:25:40 GMThttps://ficoforums.myfico.com/t5/Credit-Card-Applications/Comenity-CLI-HP-SP-Data-Points/m-p/5567207#M226226ImTheDevil2019-04-07T16:25:40ZRe: Comenity CLI HP/SP Data Pointshttps://ficoforums.myfico.com/t5/Credit-Card-Applications/Comenity-CLI-HP-SP-Data-Points/m-p/5568189#M226267
Updated my stats post again just now, post 2 in the thread. I got an $800 CLI on Wayfair on 3/30/2019. My statement cut yesterday so I logged in and paid more than the min, and logged out. Got a wild hair and decided “why not try?”, so I logged back in and hit the LUV button - BOOM another $800 increase up to a new CL of $2100. Total of nine days elapsed between these two $800 increases. If I can grow my new Lowe’s card like this I’ll be very happy.Mon, 08 Apr 2019 11:30:48 GMThttps://ficoforums.myfico.com/t5/Credit-Card-Applications/Comenity-CLI-HP-SP-Data-Points/m-p/5568189#M226267ImTheDevil2019-04-08T11:30:48ZRe: Comenity CLI HP/SP Data Pointshttps://ficoforums.myfico.com/t5/Credit-Card-Applications/Comenity-CLI-HP-SP-Data-Points/m-p/5587056#M227681
<P>So I got my Comenity/HSN card back in Dec. 2018 (sl 2k) and have now received my second (self initiated) cli of 2k. putting me at 6k.&nbsp; &nbsp;All sp's.</P><P>&nbsp;</P>Wed, 24 Apr 2019 06:35:44 GMThttps://ficoforums.myfico.com/t5/Credit-Card-Applications/Comenity-CLI-HP-SP-Data-Points/m-p/5587056#M227681GApeachy2019-04-24T06:35:44ZRe: Comenity CLI HP/SP Data Pointshttps://ficoforums.myfico.com/t5/Credit-Card-Applications/Comenity-CLI-HP-SP-Data-Points/m-p/5587591#M227718
<BLOCKQUOTE><HR /><LI-USER login="ImTheDevil" uid="1037433"></LI-USER>&nbsp;wrote:<BR />Updated my stats post again just now, post 2 in the thread. I got an $800 CLI on Wayfair on 3/30/2019. My statement cut yesterday so I logged in and paid more than the min, and logged out. Got a wild hair and decided “why not try?”, so I logged back in and hit the LUV button - BOOM another $800 increase up to a new CL of $2100. Total of nine days elapsed between these two $800 increases. If I can grow my new Lowe’s card like this I’ll be very happy.<HR /></BLOCKQUOTE><P>Do you have your reports locked/frozen? Or are you just jumping without a safety net? 😆</P>Wed, 24 Apr 2019 19:45:34 GMThttps://ficoforums.myfico.com/t5/Credit-Card-Applications/Comenity-CLI-HP-SP-Data-Points/m-p/5587591#M227718Morpho2019-04-24T19:45:34ZRe: Comenity CLI HP/SP Data Pointshttps://ficoforums.myfico.com/t5/Credit-Card-Applications/Comenity-CLI-HP-SP-Data-Points/m-p/5587598#M227719
Lol YOLO<BR /><BR />No locked reports. My limits are still low compared to those of people I’ve seen getting HPs. I am thinking I’m good until I get around $3k, and then I’ll freeze them before trying any more CLIs. I definitely don’t see the logic of taking a HP to grow these particular cards.Wed, 24 Apr 2019 19:51:29 GMThttps://ficoforums.myfico.com/t5/Credit-Card-Applications/Comenity-CLI-HP-SP-Data-Points/m-p/5587598#M227719ImTheDevil2019-04-24T19:51:29ZRe: Comenity CLI HP/SP Data Pointshttps://ficoforums.myfico.com/t5/Credit-Card-Applications/Comenity-CLI-HP-SP-Data-Points/m-p/5591508#M228060
<P>Ahhhh....hahaha, being the cocky dumb-tail that I am I went for the Comenity UltaMastercard....got it, sl 2500k - sp, but I have to live up to my dumb-tailed name and called in to see if there was any left on the table, they were like, uh- idk (?!?!) but we can submit your request.&nbsp; So I ask 500 different ppl is it a hp or sp? So noone knew for sure, so I, knowing this is stooopid, decided to go for it....BAM! bam! and bam!&nbsp; HardPullzzzzzzzzzzzzzzz, two and on top of that I didn't even get an answer except the 7-10 day (u screwed up) message.&nbsp; I lost 1 pt. experian and 3 transunion.&nbsp; Anyway, I got another victim (new tl) to abuse with punching their "luv button" 'til they take it away from me AGAIN.&nbsp; Happy weekend ...and remember kids, "Don't do as I do, do as I say do." yeah, right.&nbsp;&nbsp;<img id="smileyfrustrated" class="emoticon emoticon-smileyfrustrated" src="https://fico.i.lithium.com/i/smilies/16x16_smiley-frustrated.gif" alt="Smiley Frustrated" title="Smiley Frustrated" /><img id="smileymad" class="emoticon emoticon-smileymad" src="https://fico.i.lithium.com/i/smilies/16x16_smiley-mad.gif" alt="Smiley Mad" title="Smiley Mad" /><img id="smileytongue" class="emoticon emoticon-smileytongue" src="https://fico.i.lithium.com/i/smilies/16x16_smiley-tongue.gif" alt="Smiley Tongue" title="Smiley Tongue" /><img id="smileytongue" class="emoticon emoticon-smileytongue" src="https://fico.i.lithium.com/i/smilies/16x16_smiley-tongue.gif" alt="Smiley Tongue" title="Smiley Tongue" /><img id="smileytongue" class="emoticon emoticon-smileytongue" src="https://fico.i.lithium.com/i/smilies/16x16_smiley-tongue.gif" alt="Smiley Tongue" title="Smiley Tongue" /></P>Sat, 27 Apr 2019 22:14:34 GMThttps://ficoforums.myfico.com/t5/Credit-Card-Applications/Comenity-CLI-HP-SP-Data-Points/m-p/5591508#M228060GApeachy2019-04-27T22:14:34ZRe: Comenity CLI HP/SP Data Pointshttps://ficoforums.myfico.com/t5/Credit-Card-Applications/Comenity-CLI-HP-SP-Data-Points/m-p/5591808#M228103
<BLOCKQUOTE><HR /><LI-USER login="Laurachrissy" uid="1049577"></LI-USER>&nbsp;wrote:<BR /><P>Anyway, I got another victim (new tl) to abuse with punching their "luv button" 'til they take it away from me AGAIN.&nbsp;</P><HR /></BLOCKQUOTE><P>Amen, sister, a effing men!</P>Sun, 28 Apr 2019 03:20:08 GMThttps://ficoforums.myfico.com/t5/Credit-Card-Applications/Comenity-CLI-HP-SP-Data-Points/m-p/5591808#M228103mikesonthemend2019-04-28T03:20:08ZRe: Comenity CLI denials for newer accountshttps://ficoforums.myfico.com/t5/Credit-Card-Applications/Comenity-CLI-HP-SP-Data-Points/m-p/5595891#M228359
Have you ever received an auto CLI then went on line and used the “request credit limit increase button?Wed, 01 May 2019 14:34:18 GMThttps://ficoforums.myfico.com/t5/Credit-Card-Applications/Comenity-CLI-HP-SP-Data-Points/m-p/5595891#M228359FLTXBA2019-05-01T14:34:18ZRe: Comenity CLI denials for newer accountshttps://ficoforums.myfico.com/t5/Credit-Card-Applications/Comenity-CLI-HP-SP-Data-Points/m-p/5597179#M228435
Since i have seen many HPs for CLIs, I will be contempt with what i have with comenity. Its not worth it to grow for my profile.Thu, 02 May 2019 15:00:58 GMThttps://ficoforums.myfico.com/t5/Credit-Card-Applications/Comenity-CLI-HP-SP-Data-Points/m-p/5597179#M228435Blackswizz7502019-05-02T15:00:58ZRe: Comenity CLI HP/SP Data Pointshttps://ficoforums.myfico.com/t5/Credit-Card-Applications/Comenity-CLI-HP-SP-Data-Points/m-p/5597809#M228488
<P>So another request and the same thing happened.</P><P>&nbsp;</P><P>I locked all my reports</P><P>Request CLI on J.Crew. Denied. Reason=we can't access your reports. They tried to HP me.</P><P>I immediately&nbsp;log out of J.Crew and log into Overstock</P><P>Request CLI on Overstock. Approved! with reports still locked.</P><P>&nbsp;</P><P>This is twice now this has played out like this. Next quarter I will try Overstock then J.Crew. For some reason they want to HP me for J.Crew CLI.</P>Thu, 02 May 2019 22:27:40 GMThttps://ficoforums.myfico.com/t5/Credit-Card-Applications/Comenity-CLI-HP-SP-Data-Points/m-p/5597809#M228488Morpho2019-05-02T22:27:40ZRe: Comenity CLI HP/SP Data Pointshttps://ficoforums.myfico.com/t5/Credit-Card-Applications/Comenity-CLI-HP-SP-Data-Points/m-p/5597904#M228495
@Morpho, what are your limits on those two cards? I wonder if that has something to do with it.Thu, 02 May 2019 23:19:35 GMThttps://ficoforums.myfico.com/t5/Credit-Card-Applications/Comenity-CLI-HP-SP-Data-Points/m-p/5597904#M228495ImTheDevil2019-05-02T23:19:35ZRe: Comenity CLI HP/SP Data Pointshttps://ficoforums.myfico.com/t5/Credit-Card-Applications/Comenity-CLI-HP-SP-Data-Points/m-p/5598044#M228503
<BLOCKQUOTE><HR /><LI-USER login="ImTheDevil" uid="1037433"></LI-USER>&nbsp;wrote:<BR />@Morpho, what are your limits on those two cards? I wonder if that has something to do with it.<HR /></BLOCKQUOTE><P>Both started out as $250 limit SCT cards when I had scores barely above 500. Overstock is now at $3000, J.Crew remains $250. I’ve used them almost identical. I made one purchase each,&nbsp;let it report and PIF. The only difference is the J.Crew purchase was &nbsp;very small $10 and and the Overstock was $80. Scores are now 670-700.</P><P>&nbsp;</P><P>I’ve hit the love button about 3-4 times in 8 months. Every single time Overstock has been approved, J.Crew denied. Lol. The funny thing is the only reason I got the J. Crew was because I saw reports here of people growing to 8k limits in 6 months by double dipping. I never even tried to double dip. Overstock was the afterthought. I just wanted to get an easy trade line fresh out of BK.&nbsp;</P><P>&nbsp;</P><P>Honestly I don’t mind. The cards are doing their job. They are tradelines to help me rebuild. Comenity gave me a card when no one else would. I keep my reports locked because I don’t want hard pulls. I wasted a bunch of HP before I found this site and understood you need to mange your HP’s.</P>Fri, 03 May 2019 00:23:21 GMThttps://ficoforums.myfico.com/t5/Credit-Card-Applications/Comenity-CLI-HP-SP-Data-Points/m-p/5598044#M228503Morpho2019-05-03T00:23:21ZRe: Comenity CLI HP/SP Data Pointshttps://ficoforums.myfico.com/t5/Credit-Card-Applications/Comenity-CLI-HP-SP-Data-Points/m-p/5598070#M228505
Thank you and great info. It also happens to be the opposite of what I expected lol. I figured that the HP from JCrew would be because you had a high limit with them, as several people reporting HPs for CLIs were in the several thousand dollar range of their CLs. Strange that they’d try to HP you for a small limit.Fri, 03 May 2019 00:46:34 GMThttps://ficoforums.myfico.com/t5/Credit-Card-Applications/Comenity-CLI-HP-SP-Data-Points/m-p/5598070#M228505ImTheDevil2019-05-03T00:46:34ZJcrew/Comenity Robocall CLI still work?https://ficoforums.myfico.com/t5/Credit-Card-Applications/Comenity-CLI-HP-SP-Data-Points/m-p/5598285#M228514
<P>Did this in the past but I heard rumors of poeple getting hard pulled lately.&nbsp;</P><P>&nbsp;</P><P>Has anyone done the robocall phone trick recently?</P>Fri, 03 May 2019 03:03:43 GMThttps://ficoforums.myfico.com/t5/Credit-Card-Applications/Comenity-CLI-HP-SP-Data-Points/m-p/5598285#M228514ohnomyfigo2019-05-03T03:03:43ZRe: Jcrew/Comenity Robocall CLI still work?https://ficoforums.myfico.com/t5/Credit-Card-Applications/Comenity-CLI-HP-SP-Data-Points/m-p/5598303#M228515
<P><FONT color="#800080">Rumor has it, Comenity has been <U>hard pull happy</U>.</FONT></P><P>&nbsp;</P><P><FONT color="#800080">full disclosure: I have zero Comedy cards</FONT></P>Fri, 03 May 2019 03:11:53 GMThttps://ficoforums.myfico.com/t5/Credit-Card-Applications/Comenity-CLI-HP-SP-Data-Points/m-p/5598303#M228515M_Smart0072019-05-03T03:11:53ZRe: Question on Comenity CLI’shttps://ficoforums.myfico.com/t5/Credit-Card-Applications/Comenity-CLI-HP-SP-Data-Points/m-p/5599043#M228589
<P>The online form now seems to always say: "<STRONG>Please note</STRONG><SPAN>&nbsp;</SPAN>we may need to access your credit report when considering your request. By submitting this request, you grant us permission to do so."<BR /><BR />I called in (this is on a Comenity Ikea Visa) and did the robo credit line increase. The first response is "we'd like to use your credit bureau information, is that ok" ... I answered "NO" and it came back "would you like me to try without using your credit bureau info" and I answered the income question, and requested limit (I asked for 10k-&gt;15k)... it came back with a counter of 13k.</P><P>&nbsp;</P><P>No, I'm DEFINITELY not planning on spending that at Ikea, but I just got a BT offer that's beyond amazing - 0% until 9/20 with $0 fee, so now I have a little more breathing room to use it <img id="smileyhappy" class="emoticon emoticon-smileyhappy" src="https://fico.i.lithium.com/i/smilies/16x16_smiley-happy.gif" alt="Smiley Happy" title="Smiley Happy" /></P>Fri, 03 May 2019 20:08:27 GMThttps://ficoforums.myfico.com/t5/Credit-Card-Applications/Comenity-CLI-HP-SP-Data-Points/m-p/5599043#M228589MJ-san2019-05-03T20:08:27ZRe: Question on Comenity CLI’shttps://ficoforums.myfico.com/t5/Credit-Card-Applications/Comenity-CLI-HP-SP-Data-Points/m-p/5599740#M228640
I’ve never tried calling in but may do it next time on Wayfair. I got my monthly $250 increase on VS this morning (4 straight months of that) so that one I’ll leave alone til June, but maybe it’s worth trying robo on Wayfair. I don’t need even what I have now but I’ll take all the SP CLIs they want to give me. I do not want a HP for either of these but I think that at $1750 VS and $2100 WF I’m still below the threshold where I need to think of HPs as a real probability.Sat, 04 May 2019 13:37:31 GMThttps://ficoforums.myfico.com/t5/Credit-Card-Applications/Comenity-CLI-HP-SP-Data-Points/m-p/5599740#M228640ImTheDevil2019-05-04T13:37:31ZRe: Question on Comenity CLI’shttps://ficoforums.myfico.com/t5/Credit-Card-Applications/Comenity-CLI-HP-SP-Data-Points/m-p/5599806#M228642
That is the only reason i would want a Comenity Visa, as <LI-USER uid="789774" login="MJ-san"></LI-USER> has learned, they seem to be only ones offering 0% Bt offers with 0% transfer. Thats killer<img id="smileywink" class="emoticon emoticon-smileywink" src="https://fico.i.lithium.com/i/smilies/16x16_smiley-wink.gif" alt="Smiley Wink" title="Smiley Wink" />Sat, 04 May 2019 14:39:33 GMThttps://ficoforums.myfico.com/t5/Credit-Card-Applications/Comenity-CLI-HP-SP-Data-Points/m-p/5599806#M228642AverageJoesCredit2019-05-04T14:39:33ZRe: Question on Comenity CLI’shttps://ficoforums.myfico.com/t5/Credit-Card-Applications/Comenity-CLI-HP-SP-Data-Points/m-p/5599823#M228647
<P>I got the Comenity UltaMastercard (sp) the next day when I called in they HP'd the crapola out of me.&nbsp; It was an SCT and I blew it by calling in and forgetting to LOCK my reports....never again.</P><P>So glad you all mentioned LOCKING reports.</P>Sat, 04 May 2019 14:54:28 GMThttps://ficoforums.myfico.com/t5/Credit-Card-Applications/Comenity-CLI-HP-SP-Data-Points/m-p/5599823#M228647GApeachy2019-05-04T14:54:28ZRe: Updated: SCT is now a HP! No more tricks!https://ficoforums.myfico.com/t5/Credit-Card-Applications/Comenity-CLI-HP-SP-Data-Points/m-p/5600452#M228708
You are not the only one. I now have 4 unnecessary HP because I hit the increase button. It’s ridiculous. I called in and the rep said they are all different stores so that is what will happen. Yet, when I looked at the addresses on my credit report, they were all the same. Even if they HP, they should be able to use the information for all your accounts. If I wasn’t worried about interfering with my average age of accounts, I would close them all. I only use a few but I was in the process of rebuilding after a chapter 7 and they were easy to get back in 2015.Sun, 05 May 2019 01:55:30 GMThttps://ficoforums.myfico.com/t5/Credit-Card-Applications/Comenity-CLI-HP-SP-Data-Points/m-p/5600452#M228708AaVJo2019-05-05T01:55:30ZRe: Question on Comenity CLI’shttps://ficoforums.myfico.com/t5/Credit-Card-Applications/Comenity-CLI-HP-SP-Data-Points/m-p/5600608#M228725
<BLOCKQUOTE><HR /><LI-USER login="AverageJoesCredit" uid="949124"></LI-USER>&nbsp;wrote:<BR />That is the only reason i would want a Comenity Visa, as <LI-USER login="MJ-san" uid="789774"></LI-USER> has learned, they seem to be only ones offering 0% Bt offers with 0% transfer. Thats killer<img id="smileywink" class="emoticon emoticon-smileywink" src="https://fico.i.lithium.com/i/smilies/16x16_smiley-wink.gif" alt="Smiley Wink" title="Smiley Wink" /><HR /></BLOCKQUOTE><P>Yeah, that's what I'm wanting.&nbsp; Got the pop ups on SG and WS.&nbsp; No TR and that's the one I'd actually want and have&nbsp;<EM>some</EM> use for outside of just having for BT offers.&nbsp; Wonder if the other 2 popping up are a good sign that the TR would be approved or if the UW is a lot more strict and that's why it isn't popping up.</P>Sun, 05 May 2019 14:57:56 GMThttps://ficoforums.myfico.com/t5/Credit-Card-Applications/Comenity-CLI-HP-SP-Data-Points/m-p/5600608#M228725mrEus2019-05-05T14:57:56ZRe: Question on Comenity CLI’shttps://ficoforums.myfico.com/t5/Credit-Card-Applications/Comenity-CLI-HP-SP-Data-Points/m-p/5600845#M228750
Been thinking of apping SG , actually did weeks ago but my reports were locked and they want Eq. Only thing holding me back is i just need to take a breather for my new cards to settle<img id="smileywink" class="emoticon emoticon-smileywink" src="https://fico.i.lithium.com/i/smilies/16x16_smiley-wink.gif" alt="Smiley Wink" title="Smiley Wink" />Sun, 05 May 2019 14:37:12 GMThttps://ficoforums.myfico.com/t5/Credit-Card-Applications/Comenity-CLI-HP-SP-Data-Points/m-p/5600845#M228750AverageJoesCredit2019-05-05T14:37:12ZRe: Question on Comenity CLI’shttps://ficoforums.myfico.com/t5/Credit-Card-Applications/Comenity-CLI-HP-SP-Data-Points/m-p/5600866#M228757
<BLOCKQUOTE><HR /><LI-USER login="AverageJoesCredit" uid="949124"></LI-USER>&nbsp;wrote:<BR />Been thinking of apping SG , actually did weeks ago but my reports were locked and they want Eq. Only thing holding me back is i just need to take a breather for my new cards to settle<img id="smileywink" class="emoticon emoticon-smileywink" src="https://fico.i.lithium.com/i/smilies/16x16_smiley-wink.gif" alt="Smiley Wink" title="Smiley Wink" /><HR /></BLOCKQUOTE><P>Yeah.&nbsp; I ended up getting the pop up when I hopped on TR after I posted and finger got itchy and figured best to try to get now and build it up, just in case I ever do wanna take advantage of one of the offers.&nbsp; 7-10 day message.&nbsp; But, thinking it's verification.</P>Sun, 05 May 2019 14:57:28 GMThttps://ficoforums.myfico.com/t5/Credit-Card-Applications/Comenity-CLI-HP-SP-Data-Points/m-p/5600866#M228757mrEus2019-05-05T14:57:28ZRe: Question on Comenity CLI’shttps://ficoforums.myfico.com/t5/Credit-Card-Applications/Comenity-CLI-HP-SP-Data-Points/m-p/5601718#M228830
<P><SPAN>Card in question:&nbsp; Zales</SPAN><BR /><SPAN>Open date and whether SP/SCT or HP:&nbsp; December 2018</SPAN><BR /><SPAN>Existing CL: $1000</SPAN><BR /><SPAN>Date of CLI:&nbsp; 5-6-2019</SPAN><BR /><SPAN>Amount of CLI:&nbsp; $500</SPAN><BR /><SPAN>For each CLI, whether it was SP or HP:&nbsp; SP</SPAN></P>Mon, 06 May 2019 11:18:24 GMThttps://ficoforums.myfico.com/t5/Credit-Card-Applications/Comenity-CLI-HP-SP-Data-Points/m-p/5601718#M228830spickeri2019-05-06T11:18:24ZRe: Question on Comenity CLI’shttps://ficoforums.myfico.com/t5/Credit-Card-Applications/Comenity-CLI-HP-SP-Data-Points/m-p/5611045#M229626
<P>So is Comenity doing hp's and sp's on both their store cards or just their MC/Visa products?&nbsp; @ImTheDevil&nbsp; have you noticed a trend?&nbsp; I'd like to try my UltaMC after it's aged a few months and I would like to know how/phone # for Robolady.</P>Tue, 14 May 2019 13:30:30 GMThttps://ficoforums.myfico.com/t5/Credit-Card-Applications/Comenity-CLI-HP-SP-Data-Points/m-p/5611045#M229626GApeachy2019-05-14T13:30:30ZRe: Question on Comenity CLI’shttps://ficoforums.myfico.com/t5/Credit-Card-Applications/Comenity-CLI-HP-SP-Data-Points/m-p/5611047#M229627
Seems like the store cards are only getting HPs when the initial application is made, from what I’ve been reading (at least until the CLs are nearing $3000), but by all means don’t take that as gospel. I don’t have any of their Visa/MC products so unfortunately I’m not sure on those.Tue, 14 May 2019 13:34:02 GMThttps://ficoforums.myfico.com/t5/Credit-Card-Applications/Comenity-CLI-HP-SP-Data-Points/m-p/5611047#M229627ImTheDevil2019-05-14T13:34:02ZRe: Question on Comenity CLI’shttps://ficoforums.myfico.com/t5/Credit-Card-Applications/Comenity-CLI-HP-SP-Data-Points/m-p/5611048#M229628
<P>@ImTheDevil&nbsp; &nbsp;The only Comenity HP I got from them was two days after being approved for UltaMC and I called back in to see if I could get it increased and Bam! alert from Exp. while I was on the phone with the lady.&nbsp; I never got one when talking to rep for cli or doing the online cli with my store card at HSN.&nbsp; &nbsp;BTW, Ultamc was truely the SCT, like 3 weeks ago.&nbsp; Dumbme, I shouldn't have called in days later to get more.....(food for thought)&nbsp; The lady even said it could be a hp but she just would not know.&nbsp; Oh well</P>Tue, 14 May 2019 13:37:11 GMThttps://ficoforums.myfico.com/t5/Credit-Card-Applications/Comenity-CLI-HP-SP-Data-Points/m-p/5611048#M229628GApeachy2019-05-14T13:37:11ZRe: Question on Comenity CLI’shttps://ficoforums.myfico.com/t5/Credit-Card-Applications/Comenity-CLI-HP-SP-Data-Points/m-p/5611061#M229632
<BLOCKQUOTE><HR /><LI-USER login="Laurachrissy" uid="1049577"></LI-USER>&nbsp;wrote:<BR /><P>So is Comenity doing hp's and sp's on both their store cards or just their MC/Visa products?&nbsp; @ImTheDevil&nbsp; have you noticed a trend?&nbsp; I'd like to try my UltaMC after it's aged a few months and I would like to know how/phone # for Robolady.</P><HR /></BLOCKQUOTE><P>i just did a CLI on my Total Reward/Caesard Visa siggy, and no hard pull.&nbsp; that was about 5 days ago.&nbsp; so not sure what they are doing exactly.&nbsp; Also, my Sportsmans Guide visa did not get a hard pull last month either.</P>Tue, 14 May 2019 13:52:22 GMThttps://ficoforums.myfico.com/t5/Credit-Card-Applications/Comenity-CLI-HP-SP-Data-Points/m-p/5611061#M229632CamaroSS172019-05-14T13:52:22ZRe: Question on Comenity CLI’shttps://ficoforums.myfico.com/t5/Credit-Card-Applications/Comenity-CLI-HP-SP-Data-Points/m-p/5611070#M229634
<BLOCKQUOTE><HR /><LI-USER login="CamaroSS17" uid="996300"></LI-USER>&nbsp;wrote:<BR /><BLOCKQUOTE><HR /><LI-USER login="Laurachrissy" uid="1049577"></LI-USER>&nbsp;wrote:<BR /><P>So is Comenity doing hp's and sp's on both their store cards or just their MC/Visa products?&nbsp; @ImTheDevil&nbsp; have you noticed a trend?&nbsp; I'd like to try my UltaMC after it's aged a few months and I would like to know how/phone # for Robolady.</P><HR /></BLOCKQUOTE><P>i just did a CLI on my Total Reward/Caesard Visa siggy, and no hard pull.&nbsp; that was about 5 days ago.&nbsp; so not sure what they are doing exactly.&nbsp; Also, my Sportsmans Guide visa did not get a hard pull last month either.</P><HR /></BLOCKQUOTE><P>Were your reports locked?&nbsp; (and Congrats!)</P>Tue, 14 May 2019 14:03:59 GMThttps://ficoforums.myfico.com/t5/Credit-Card-Applications/Comenity-CLI-HP-SP-Data-Points/m-p/5611070#M229634GApeachy2019-05-14T14:03:59ZRe: Question on Comenity CLI’shttps://ficoforums.myfico.com/t5/Credit-Card-Applications/Comenity-CLI-HP-SP-Data-Points/m-p/5611175#M229641
<P>no, reports are not blocked.&nbsp; it just was approved like it normally would be, meaning a screen just popped up saying approved with the new CL.&nbsp; Maybe it is just those 2 cards?&nbsp; it seems like not too long ago, i got a CLI on my overstock, but i might be mistaken.&nbsp; Regardless, i have not had any HP from Comenity yet.&nbsp; (fingers crossed i won't either LOL)</P><BLOCKQUOTE><HR /><LI-USER login="Laurachrissy" uid="1049577"></LI-USER>&nbsp;wrote:<BR /><BLOCKQUOTE><HR /><LI-USER login="CamaroSS17" uid="996300"></LI-USER>&nbsp;wrote:<BR /><BLOCKQUOTE><HR /><LI-USER login="Laurachrissy" uid="1049577"></LI-USER>&nbsp;wrote:<BR /><P>So is Comenity doing hp's and sp's on both their store cards or just their MC/Visa products?&nbsp; @ImTheDevil&nbsp; have you noticed a trend?&nbsp; I'd like to try my UltaMC after it's aged a few months and I would like to know how/phone # for Robolady.</P><HR /></BLOCKQUOTE><P>i just did a CLI on my Total Reward/Caesard Visa siggy, and no hard pull.&nbsp; that was about 5 days ago.&nbsp; so not sure what they are doing exactly.&nbsp; Also, my Sportsmans Guide visa did not get a hard pull last month either.</P><HR /></BLOCKQUOTE><P>Were your reports locked?&nbsp; (and Congrats!)</P><HR /></BLOCKQUOTE><P><BR /><BR /></P>Tue, 14 May 2019 15:37:50 GMThttps://ficoforums.myfico.com/t5/Credit-Card-Applications/Comenity-CLI-HP-SP-Data-Points/m-p/5611175#M229641CamaroSS172019-05-14T15:37:50ZRe: Comenity CLI HP/SP Data Pointshttps://ficoforums.myfico.com/t5/Credit-Card-Applications/Comenity-CLI-HP-SP-Data-Points/m-p/5611510#M229679
<UL><LI>BJ's Perks Elite World MasterCard</LI><LI>Opened August 2016.&nbsp; HP</LI><LI>SL $17,000</LI><LI>02-2017 $400 SP CLI&nbsp;($17,400)</LI><LI>06-2017 $400 SP CLI&nbsp;($17,800)</LI><LI>11-2017 $3000 SP CLI&nbsp;($20,800)</LI><LI>03-2018 $3000 SP CLI ($23,800)</LI><LI>07-2018 $3000 SP CLI ($26,800)</LI><LI>10-2018 <STRONG><U>HP</U></STRONG>&nbsp;on EX. Denied. Letter stated that they are required to contact me via the contact information contained in my credit reports and were unable to contact me.&nbsp; Called them up and rep said that I was denied due to not having my phone number listed on my Experian credit report.&nbsp; First time I've <EM>ever</EM> had that be an issue in 20+ years of credit card applications, and the file is only going to have what other lenders report anyway so there's not really much I can do about it.&nbsp; He said he'd be happy to manually submit it but it would take 7-10 days for a decision.&nbsp; No problem.&nbsp; A week later, I got a denial because it had been too soon since my last request.&nbsp; (Comenity requires 4 months between CLIs on this card.)</LI><LI>11-2018 No pull and denied.&nbsp; Decided I would try again right after the 4 month mark hit since the previous one.&nbsp; Letter stated that&nbsp;they are required to contact me via the contact information contained in my credit reports and were unable to contact me.&nbsp; Have not bothered since.</LI></UL>Tue, 14 May 2019 20:52:25 GMThttps://ficoforums.myfico.com/t5/Credit-Card-Applications/Comenity-CLI-HP-SP-Data-Points/m-p/5611510#M229679K-in-Boston2019-05-14T20:52:25ZRe: Comenity CLI HP/SP Data Pointshttps://ficoforums.myfico.com/t5/Credit-Card-Applications/Comenity-CLI-HP-SP-Data-Points/m-p/5611512#M229680
<BLOCKQUOTE><HR /><LI-USER login="K-in-Boston" uid="973576"></LI-USER>&nbsp;wrote:<BR /><UL><LI>BJ's Perks Elite World MasterCard</LI><LI>Opened August 2016.&nbsp; HP</LI><LI>SL $17,000</LI><LI>02-2017 $400 SP CLI&nbsp;($17,400)</LI><LI>06-2017 $400 SP CLI&nbsp;($17,800)</LI><LI>11-2017 $3000 SP CLI&nbsp;($20,800)</LI><LI>03-2018 $3000 SP CLI ($23,800)</LI><LI>07-2018 $3000 SP CLI ($26,800)</LI><LI>10-2018 <STRONG><U>HP</U></STRONG>&nbsp;on EX. Denied. Letter stated that they are required to contact me via the contact information contained in my credit reports and were unable to contact me.&nbsp; Called them up and rep said that I was denied due to not having my phone number listed on my Experian credit report.&nbsp; First time I've <EM>ever</EM> had that be an issue in 20+ years of credit card applications, and the file is only going to have what other lenders report anyway so there's not really much I can do about it.&nbsp; He said he'd be happy to manually submit it but it would take 7-10 days for a decision.&nbsp; No problem.&nbsp; A week later, I got a denial because it had been too soon since my last request.&nbsp; (Comenity requires 4 months between CLIs on this card.)</LI><LI>11-2018 No pull and denied.&nbsp; Decided I would try again right after the 4 month mark hit since the previous one.&nbsp; Letter stated that&nbsp;they are required to contact me via the contact information contained in my credit reports and were unable to contact me.&nbsp; Have not bothered since.</LI></UL><HR /></BLOCKQUOTE><P>So the point is: Comenity most likely has your phone number and all info. related to your whereabouts&nbsp; but find it necessary to deny you because your number is NOT listed on cr's.&nbsp; That's very odd, right?&nbsp; Have you ever had to answer verification answers with the cb's and past and present phone numbers being one of them?&nbsp; What do we do? Call each CB and make them add our latest cell, home and business number?&nbsp; So sorry they denied you.&nbsp; Do you need to dispute information on the 3b's then?&nbsp;&nbsp;</P>Tue, 14 May 2019 21:00:20 GMThttps://ficoforums.myfico.com/t5/Credit-Card-Applications/Comenity-CLI-HP-SP-Data-Points/m-p/5611512#M229680GApeachy2019-05-14T21:00:20ZRe: Comenity CLI HP/SP Data Pointshttps://ficoforums.myfico.com/t5/Credit-Card-Applications/Comenity-CLI-HP-SP-Data-Points/m-p/5611518#M229681
It IS very odd. Comenity certainly has my correct info. Address has not changed in over 8 years. Employer has not changed in over 12. Phone number has not changed in nearly 15.<BR /><BR />I’m sure I’ve had a verification question come up from like LN reports where it’s “which of the following phone numbers have you ever had?,” but no I’ve never needed to call in for verification on an app or with the credit bureaus. There’s no incorrect information on any of my reports (some accounts only show on 1 or 2 CRAs, and most AU accounts disappeared from my EQ reports about 18 months ago). I don’t believe the information can be self-reported to the CRAs. This is the only account I have ever had this kind of issue with.Tue, 14 May 2019 21:08:27 GMThttps://ficoforums.myfico.com/t5/Credit-Card-Applications/Comenity-CLI-HP-SP-Data-Points/m-p/5611518#M229681K-in-Boston2019-05-14T21:08:27ZRe: Comenity CLI HP/SP Data Pointshttps://ficoforums.myfico.com/t5/Credit-Card-Applications/Comenity-CLI-HP-SP-Data-Points/m-p/5611524#M229682
<BLOCKQUOTE><HR /><LI-USER login="K-in-Boston" uid="973576"></LI-USER>&nbsp;wrote:<BR />I don’t believe the information can be self-reported to the CRAs. This is the only account I have ever had this kind of issue with.<HR /></BLOCKQUOTE><P>It almost sounds like Comenity may have implemented new criteria.....killing all the "luv".&nbsp; Hope not but coming from you this is very strange.</P>Tue, 14 May 2019 21:20:17 GMThttps://ficoforums.myfico.com/t5/Credit-Card-Applications/Comenity-CLI-HP-SP-Data-Points/m-p/5611524#M229682GApeachy2019-05-14T21:20:17ZRe: Comenity CLI HP/SP Data Pointshttps://ficoforums.myfico.com/t5/Credit-Card-Applications/Comenity-CLI-HP-SP-Data-Points/m-p/5611534#M229684
<P>This is basically the same letter I got when I tried for increase on my Ikea visa, of course I was informed I probably have to wait 6 montgs, however my phone number is not on my reports . I had a run of zombie debt calls, so I removed my number.</P><P>&nbsp;</P><P>So now wondering if this is the "new" process??</P>Tue, 14 May 2019 21:28:02 GMThttps://ficoforums.myfico.com/t5/Credit-Card-Applications/Comenity-CLI-HP-SP-Data-Points/m-p/5611534#M229684Jnbmom2019-05-14T21:28:02ZRe: Comenity CLI HP/SP Data Pointshttps://ficoforums.myfico.com/t5/Credit-Card-Applications/Comenity-CLI-HP-SP-Data-Points/m-p/5611535#M229685
<BLOCKQUOTE><HR /><LI-USER login="Jnbmom" uid="1021785"></LI-USER>&nbsp;wrote:<BR /><P>&nbsp;</P><P>&nbsp;</P><P>So now wondering if this is the "new" process??</P><HR /></BLOCKQUOTE><P>yeah, wondering that too</P>Tue, 14 May 2019 21:29:32 GMThttps://ficoforums.myfico.com/t5/Credit-Card-Applications/Comenity-CLI-HP-SP-Data-Points/m-p/5611535#M229685GApeachy2019-05-14T21:29:32ZRe: Comenity CLI HP/SP Data Pointshttps://ficoforums.myfico.com/t5/Credit-Card-Applications/Comenity-CLI-HP-SP-Data-Points/m-p/5611537#M229686
<P>Now has me thinking about my weird wayfair increase, they called me to ask if I had requested one which never has happened before?</P>Tue, 14 May 2019 21:33:03 GMThttps://ficoforums.myfico.com/t5/Credit-Card-Applications/Comenity-CLI-HP-SP-Data-Points/m-p/5611537#M229686Jnbmom2019-05-14T21:33:03ZRe: Question about Overstock store cardhttps://ficoforums.myfico.com/t5/Credit-Card-Applications/Comenity-CLI-HP-SP-Data-Points/m-p/5628108#M231310
<P>I just did mine and approval went through in a flash-- from 4K to 6K --as of now 9 (within an hour) I have had no notifications of ANY hard pull being done. I will keep you updated.</P><P>&nbsp;</P><P>&nbsp;</P>Tue, 28 May 2019 18:36:22 GMThttps://ficoforums.myfico.com/t5/Credit-Card-Applications/Comenity-CLI-HP-SP-Data-Points/m-p/5628108#M231310Cinemagic2019-05-28T18:36:22ZRe: Comenity CLI HP/SP Data Pointshttps://ficoforums.myfico.com/t5/Credit-Card-Applications/Comenity-CLI-HP-SP-Data-Points/m-p/5636276#M231985
Overstock<BR />Opened 12/2018<BR />Sl $250--&gt;$1050 (+$800) 6/3/19 robolady sp<BR /><BR />Wayfair<BR />Opened 12/2018<BR />Sl $500--&gt;$1300 (+$800) 6/3/19 robolady spTue, 04 Jun 2019 15:58:12 GMThttps://ficoforums.myfico.com/t5/Credit-Card-Applications/Comenity-CLI-HP-SP-Data-Points/m-p/5636276#M231985Kathyups2019-06-04T15:58:12ZRe: Comenity CLI HP/SP Data Pointshttps://ficoforums.myfico.com/t5/Credit-Card-Applications/Comenity-CLI-HP-SP-Data-Points/m-p/5640988#M232427
Two months to the day, another $800 SP increase was granted this morning via the LUV button - no luck on a double dip. I didn’t expect that to work but I had to try...<BR /><BR />Edit - forgot to mention this was the Wayfair card.Sat, 08 Jun 2019 11:55:20 GMThttps://ficoforums.myfico.com/t5/Credit-Card-Applications/Comenity-CLI-HP-SP-Data-Points/m-p/5640988#M232427ImTheDevil2019-06-08T11:55:20ZRe: Comenity CLI HP/SP Data Pointshttps://ficoforums.myfico.com/t5/Credit-Card-Applications/Comenity-CLI-HP-SP-Data-Points/m-p/5640989#M232428
<BLOCKQUOTE><HR /><LI-USER login="ImTheDevil" uid="1037433"></LI-USER>&nbsp;wrote:<BR />Two months to the day, another $800 SP increase was granted this morning via the LUV button - no luck on a double dip. I didn’t expect that to work but I had to try...<HR /></BLOCKQUOTE><P>On which one?(card...vs?)</P>Sat, 08 Jun 2019 11:53:44 GMThttps://ficoforums.myfico.com/t5/Credit-Card-Applications/Comenity-CLI-HP-SP-Data-Points/m-p/5640989#M232428GApeachy2019-06-08T11:53:44ZRe: Comenity CLI HP/SP Data Pointshttps://ficoforums.myfico.com/t5/Credit-Card-Applications/Comenity-CLI-HP-SP-Data-Points/m-p/5640990#M232429
Lol sorry - it was on Wayfair.<BR /><BR />Not enough coffee yet this morning <img id="smileyhappy" class="emoticon emoticon-smileyhappy" src="https://fico.i.lithium.com/i/smilies/16x16_smiley-happy.gif" alt="Smiley Happy" title="Smiley Happy" />Sat, 08 Jun 2019 11:54:50 GMThttps://ficoforums.myfico.com/t5/Credit-Card-Applications/Comenity-CLI-HP-SP-Data-Points/m-p/5640990#M232429ImTheDevil2019-06-08T11:54:50ZRe: Comenity CLI HP/SP Data Pointshttps://ficoforums.myfico.com/t5/Credit-Card-Applications/Comenity-CLI-HP-SP-Data-Points/m-p/5641006#M232433
<BLOCKQUOTE><HR /><LI-USER login="ImTheDevil" uid="1037433"></LI-USER>&nbsp;wrote:<BR /><BR /><HR /></BLOCKQUOTE><P>Dang!&nbsp; Congrats man!!!!!&nbsp; &nbsp;(how long do you reckon before I can ask on my ulta?&nbsp; I have had one stmt. cut)</P>Sat, 08 Jun 2019 12:13:29 GMThttps://ficoforums.myfico.com/t5/Credit-Card-Applications/Comenity-CLI-HP-SP-Data-Points/m-p/5641006#M232433GApeachy2019-06-08T12:13:29ZRe: Comenity CLI HP/SP Data Pointshttps://ficoforums.myfico.com/t5/Credit-Card-Applications/Comenity-CLI-HP-SP-Data-Points/m-p/5641022#M232436
Thanks LC <img id="smileyhappy" class="emoticon emoticon-smileyhappy" src="https://fico.i.lithium.com/i/smilies/16x16_smiley-happy.gif" alt="Smiley Happy" title="Smiley Happy" /> I would say ask away - like Disco, you can ask all you want and they don’t hold it against you. In trying to dope out a scheme for their patterns on my accounts, I’ve asked daily for the last 2-3 months with no penalty whatsoever.Sat, 08 Jun 2019 12:47:49 GMThttps://ficoforums.myfico.com/t5/Credit-Card-Applications/Comenity-CLI-HP-SP-Data-Points/m-p/5641022#M232436ImTheDevil2019-06-08T12:47:49Z